LTV · monthly repayment
▼ 0.50% · 3.625%
HK$38,331
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$39,524
−HK$1,211/mo
Today · 4.125%
HK$40,735
baseline
▲ 0.50% · 4.625%
HK$43,214
+HK$2,479/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$81,470/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,643
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$43,787
−HK$1,160/mo
Today · 4.125%
HK$44,947
baseline
▲ 0.50% · 4.625%
HK$47,316
+HK$2,369/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$89,894/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,998
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$47,428
−HK$1,454/mo
Today · 4.125%
HK$48,882
baseline
▲ 0.50% · 4.625%
HK$51,856
+HK$2,974/mo
Deposit HK$6.72M · loan HK$10.09M · min. income ≈ HK$97,764/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,172
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,544
−HK$1,392/mo
Today · 4.125%
HK$53,936
baseline
▲ 0.50% · 4.625%
HK$56,780
+HK$2,844/mo
Deposit HK$6.72M · loan HK$10.09M · min. income ≈ HK$107,872/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,664
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$55,333
−HK$1,696/mo
Today · 4.125%
HK$57,029
baseline
▲ 0.50% · 4.625%
HK$60,499
+HK$3,470/mo
Deposit HK$5.04M · loan HK$11.77M · min. income ≈ HK$114,058/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,700
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$61,302
−HK$1,624/mo
Today · 4.125%
HK$62,926
baseline
▲ 0.50% · 4.625%
HK$66,243
+HK$3,317/mo
Deposit HK$5.04M · loan HK$11.77M · min. income ≈ HK$125,852/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,996
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$71,142
−HK$2,181/mo
Today · 4.125%
HK$73,323
baseline
▲ 0.50% · 4.625%
HK$77,784
+HK$4,461/mo
Deposit HK$1.68M · loan HK$15.13M · min. income ≈ HK$146,646/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,758
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$78,816
−HK$2,089/mo
Today · 4.125%
HK$80,905
baseline
▲ 0.50% · 4.625%
HK$85,169
+HK$4,264/mo
Deposit HK$1.68M · loan HK$15.13M · min. income ≈ HK$161,810/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,378 · Scale 2, in force from 26 Feb 2026)