LTV · monthly repayment
▼ 0.50% · 3.625%
HK$38,360
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$39,553
−HK$1,212/mo
Today · 4.125%
HK$40,765
baseline
▲ 0.50% · 4.625%
HK$43,246
+HK$2,481/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$81,530/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,675
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,819
−HK$1,161/mo
Today · 4.125%
HK$44,980
baseline
▲ 0.50% · 4.625%
HK$47,351
+HK$2,371/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$89,960/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,032
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,463
−HK$1,455/mo
Today · 4.125%
HK$48,918
baseline
▲ 0.50% · 4.625%
HK$51,895
+HK$2,977/mo
Deposit HK$6.73M · loan HK$10.09M · min. income ≈ HK$97,836/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,210
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$52,583
−HK$1,393/mo
Today · 4.125%
HK$53,976
baseline
▲ 0.50% · 4.625%
HK$56,822
+HK$2,846/mo
Deposit HK$6.73M · loan HK$10.09M · min. income ≈ HK$107,952/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,704
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$55,374
−HK$1,697/mo
Today · 4.125%
HK$57,071
baseline
▲ 0.50% · 4.625%
HK$60,544
+HK$3,473/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$114,142/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$630,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,745
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$61,347
−HK$1,625/mo
Today · 4.125%
HK$62,972
baseline
▲ 0.50% · 4.625%
HK$66,292
+HK$3,320/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$125,944/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$630,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,047
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$71,195
−HK$2,182/mo
Today · 4.125%
HK$73,377
baseline
▲ 0.50% · 4.625%
HK$77,842
+HK$4,465/mo
Deposit HK$1.68M · loan HK$15.14M · min. income ≈ HK$146,754/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,815
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$78,875
−HK$2,090/mo
Today · 4.125%
HK$80,965
baseline
▲ 0.50% · 4.625%
HK$85,232
+HK$4,267/mo
Deposit HK$1.68M · loan HK$15.14M · min. income ≈ HK$161,930/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,845 · Scale 2, in force from 26 Feb 2026)