LTV · monthly repayment
▼ 0.50% · 3.625%
HK$38,376
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,570
−HK$1,213/mo
Today · 4.125%
HK$40,783
baseline
▲ 0.50% · 4.625%
HK$43,265
+HK$2,482/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$81,566/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,693
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,838
−HK$1,162/mo
Today · 4.125%
HK$45,000
baseline
▲ 0.50% · 4.625%
HK$47,372
+HK$2,372/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$90,000/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,052
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$47,484
−HK$1,456/mo
Today · 4.125%
HK$48,940
baseline
▲ 0.50% · 4.625%
HK$51,917
+HK$2,977/mo
Deposit HK$6.73M · loan HK$10.10M · min. income ≈ HK$97,880/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$631,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,232
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,606
−HK$1,394/mo
Today · 4.125%
HK$54,000
baseline
▲ 0.50% · 4.625%
HK$56,846
+HK$2,846/mo
Deposit HK$6.73M · loan HK$10.10M · min. income ≈ HK$108,000/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$631,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,727
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$55,398
−HK$1,698/mo
Today · 4.125%
HK$57,096
baseline
▲ 0.50% · 4.625%
HK$60,570
+HK$3,474/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$114,192/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,771
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$61,374
−HK$1,626/mo
Today · 4.125%
HK$63,000
baseline
▲ 0.50% · 4.625%
HK$66,321
+HK$3,321/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$126,000/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,078
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$71,226
−HK$2,183/mo
Today · 4.125%
HK$73,409
baseline
▲ 0.50% · 4.625%
HK$77,876
+HK$4,467/mo
Deposit HK$1.68M · loan HK$15.15M · min. income ≈ HK$146,818/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$631,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,848
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$78,909
−HK$2,091/mo
Today · 4.125%
HK$81,000
baseline
▲ 0.50% · 4.625%
HK$85,270
+HK$4,270/mo
Deposit HK$1.68M · loan HK$15.15M · min. income ≈ HK$162,000/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$631,122 · Scale 2, in force from 26 Feb 2026)