LTV · monthly repayment
▼ 0.50% · 3.625%
HK$38,337
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$39,529
−HK$1,212/mo
Today · 4.125%
HK$40,741
baseline
▲ 0.50% · 4.625%
HK$43,220
+HK$2,479/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$81,482/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,649
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,793
−HK$1,161/mo
Today · 4.125%
HK$44,954
baseline
▲ 0.50% · 4.625%
HK$47,323
+HK$2,369/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$89,908/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,004
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$47,435
−HK$1,454/mo
Today · 4.125%
HK$48,889
baseline
▲ 0.50% · 4.625%
HK$51,864
+HK$2,975/mo
Deposit HK$6.73M · loan HK$10.09M · min. income ≈ HK$97,778/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,179
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$52,552
−HK$1,392/mo
Today · 4.125%
HK$53,944
baseline
▲ 0.50% · 4.625%
HK$56,788
+HK$2,844/mo
Deposit HK$6.73M · loan HK$10.09M · min. income ≈ HK$107,888/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,672
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$55,341
−HK$1,696/mo
Today · 4.125%
HK$57,037
baseline
▲ 0.50% · 4.625%
HK$60,508
+HK$3,471/mo
Deposit HK$5.04M · loan HK$11.77M · min. income ≈ HK$114,074/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,709
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$61,311
−HK$1,624/mo
Today · 4.125%
HK$62,935
baseline
▲ 0.50% · 4.625%
HK$66,253
+HK$3,318/mo
Deposit HK$5.04M · loan HK$11.77M · min. income ≈ HK$125,870/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,006
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$71,153
−HK$2,181/mo
Today · 4.125%
HK$73,334
baseline
▲ 0.50% · 4.625%
HK$77,796
+HK$4,462/mo
Deposit HK$1.68M · loan HK$15.13M · min. income ≈ HK$146,668/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,769
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$78,828
−HK$2,089/mo
Today · 4.125%
HK$80,917
baseline
▲ 0.50% · 4.625%
HK$85,182
+HK$4,265/mo
Deposit HK$1.68M · loan HK$15.13M · min. income ≈ HK$161,834/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,471 · Scale 2, in force from 26 Feb 2026)