LTV · monthly repayment
▼ 0.50% · 3.625%
HK$38,115
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,300
−HK$1,205/mo
Today · 4.125%
HK$40,505
baseline
▲ 0.50% · 4.625%
HK$42,969
+HK$2,464/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$81,010/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,402
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,539
−HK$1,154/mo
Today · 4.125%
HK$44,693
baseline
▲ 0.50% · 4.625%
HK$47,049
+HK$2,356/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$89,386/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,737
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$47,160
−HK$1,446/mo
Today · 4.125%
HK$48,606
baseline
▲ 0.50% · 4.625%
HK$51,563
+HK$2,957/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$97,212/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,882
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$52,247
−HK$1,385/mo
Today · 4.125%
HK$53,632
baseline
▲ 0.50% · 4.625%
HK$56,458
+HK$2,826/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$107,264/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,360
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$55,020
−HK$1,687/mo
Today · 4.125%
HK$56,707
baseline
▲ 0.50% · 4.625%
HK$60,157
+HK$3,450/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$113,414/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,363
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$60,955
−HK$1,615/mo
Today · 4.125%
HK$62,570
baseline
▲ 0.50% · 4.625%
HK$65,868
+HK$3,298/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$125,140/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,606
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$70,740
−HK$2,168/mo
Today · 4.125%
HK$72,908
baseline
▲ 0.50% · 4.625%
HK$77,345
+HK$4,437/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$145,816/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,324
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$78,371
−HK$2,076/mo
Today · 4.125%
HK$80,447
baseline
▲ 0.50% · 4.625%
HK$84,688
+HK$4,241/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$160,894/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,814 · Scale 2, in force from 26 Feb 2026)