LTV · monthly repayment
▼ 0.50% · 3.625%
HK$38,110
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,296
−HK$1,204/mo
Today · 4.125%
HK$40,500
baseline
▲ 0.50% · 4.625%
HK$42,965
+HK$2,465/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$81,000/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,397
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,535
−HK$1,153/mo
Today · 4.125%
HK$44,688
baseline
▲ 0.50% · 4.625%
HK$47,044
+HK$2,356/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$89,376/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,732
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,155
−HK$1,445/mo
Today · 4.125%
HK$48,600
baseline
▲ 0.50% · 4.625%
HK$51,558
+HK$2,958/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$97,200/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,877
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,241
−HK$1,385/mo
Today · 4.125%
HK$53,626
baseline
▲ 0.50% · 4.625%
HK$56,452
+HK$2,826/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$107,252/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,355
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$55,014
−HK$1,686/mo
Today · 4.125%
HK$56,700
baseline
▲ 0.50% · 4.625%
HK$60,150
+HK$3,450/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$113,400/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,356
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$60,948
−HK$1,615/mo
Today · 4.125%
HK$62,563
baseline
▲ 0.50% · 4.625%
HK$65,861
+HK$3,298/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$125,126/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,599
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,733
−HK$2,167/mo
Today · 4.125%
HK$72,900
baseline
▲ 0.50% · 4.625%
HK$77,336
+HK$4,436/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$145,800/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,315
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$78,362
−HK$2,076/mo
Today · 4.125%
HK$80,438
baseline
▲ 0.50% · 4.625%
HK$84,678
+HK$4,240/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$160,876/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,746 · Scale 2, in force from 26 Feb 2026)