LTV · monthly repayment
▼ 0.50% · 3.625%
HK$38,104
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,289
−HK$1,205/mo
Today · 4.125%
HK$40,494
baseline
▲ 0.50% · 4.625%
HK$42,958
+HK$2,464/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$80,988/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,391
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,527
−HK$1,154/mo
Today · 4.125%
HK$44,681
baseline
▲ 0.50% · 4.625%
HK$47,036
+HK$2,355/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$89,362/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,725
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$47,147
−HK$1,445/mo
Today · 4.125%
HK$48,592
baseline
▲ 0.50% · 4.625%
HK$51,549
+HK$2,957/mo
Deposit HK$6.68M · loan HK$10.03M · min. income ≈ HK$97,184/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,869
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,233
−HK$1,384/mo
Today · 4.125%
HK$53,617
baseline
▲ 0.50% · 4.625%
HK$56,443
+HK$2,826/mo
Deposit HK$6.68M · loan HK$10.03M · min. income ≈ HK$107,234/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,346
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$55,005
−HK$1,686/mo
Today · 4.125%
HK$56,691
baseline
▲ 0.50% · 4.625%
HK$60,141
+HK$3,450/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$113,382/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,347
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$60,938
−HK$1,615/mo
Today · 4.125%
HK$62,553
baseline
▲ 0.50% · 4.625%
HK$65,850
+HK$3,297/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$125,106/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,588
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,721
−HK$2,168/mo
Today · 4.125%
HK$72,889
baseline
▲ 0.50% · 4.625%
HK$77,324
+HK$4,435/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$145,778/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,303
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,349
−HK$2,076/mo
Today · 4.125%
HK$80,425
baseline
▲ 0.50% · 4.625%
HK$84,665
+HK$4,240/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$160,850/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,644 · Scale 2, in force from 26 Feb 2026)