LTV · monthly repayment
▼ 0.50% · 3.625%
HK$38,347
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$39,540
−HK$1,212/mo
Today · 4.125%
HK$40,752
baseline
▲ 0.50% · 4.625%
HK$43,231
+HK$2,479/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$81,504/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,661
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$43,805
−HK$1,160/mo
Today · 4.125%
HK$44,965
baseline
▲ 0.50% · 4.625%
HK$47,336
+HK$2,371/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$89,930/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,016
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,448
−HK$1,454/mo
Today · 4.125%
HK$48,902
baseline
▲ 0.50% · 4.625%
HK$51,877
+HK$2,975/mo
Deposit HK$6.73M · loan HK$10.09M · min. income ≈ HK$97,804/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,193
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$52,566
−HK$1,392/mo
Today · 4.125%
HK$53,958
baseline
▲ 0.50% · 4.625%
HK$56,803
+HK$2,845/mo
Deposit HK$6.73M · loan HK$10.09M · min. income ≈ HK$107,916/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,686
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$55,356
−HK$1,696/mo
Today · 4.125%
HK$57,052
baseline
▲ 0.50% · 4.625%
HK$60,524
+HK$3,472/mo
Deposit HK$5.05M · loan HK$11.77M · min. income ≈ HK$114,104/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$630,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,725
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$61,327
−HK$1,624/mo
Today · 4.125%
HK$62,951
baseline
▲ 0.50% · 4.625%
HK$66,270
+HK$3,319/mo
Deposit HK$5.05M · loan HK$11.77M · min. income ≈ HK$125,902/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$630,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,024
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$71,171
−HK$2,182/mo
Today · 4.125%
HK$73,353
baseline
▲ 0.50% · 4.625%
HK$77,816
+HK$4,463/mo
Deposit HK$1.68M · loan HK$15.14M · min. income ≈ HK$146,706/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,789
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$78,848
−HK$2,090/mo
Today · 4.125%
HK$80,938
baseline
▲ 0.50% · 4.625%
HK$85,204
+HK$4,266/mo
Deposit HK$1.68M · loan HK$15.14M · min. income ≈ HK$161,876/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,635 · Scale 2, in force from 26 Feb 2026)