LTV · monthly repayment
▼ 0.50% · 3.625%
HK$38,412
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,606
−HK$1,214/mo
Today · 4.125%
HK$40,820
baseline
▲ 0.50% · 4.625%
HK$43,304
+HK$2,484/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$81,640/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,733
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,879
−HK$1,162/mo
Today · 4.125%
HK$45,041
baseline
▲ 0.50% · 4.625%
HK$47,415
+HK$2,374/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$90,082/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,094
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,528
−HK$1,457/mo
Today · 4.125%
HK$48,985
baseline
▲ 0.50% · 4.625%
HK$51,965
+HK$2,980/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$97,970/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,279
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$52,654
−HK$1,396/mo
Today · 4.125%
HK$54,050
baseline
▲ 0.50% · 4.625%
HK$56,899
+HK$2,849/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$108,100/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,776
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$55,449
−HK$1,700/mo
Today · 4.125%
HK$57,149
baseline
▲ 0.50% · 4.625%
HK$60,626
+HK$3,477/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$114,298/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$631,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,826
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$61,430
−HK$1,628/mo
Today · 4.125%
HK$63,058
baseline
▲ 0.50% · 4.625%
HK$66,382
+HK$3,324/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$126,116/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$631,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,141
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$71,292
−HK$2,185/mo
Today · 4.125%
HK$73,477
baseline
▲ 0.50% · 4.625%
HK$77,948
+HK$4,471/mo
Deposit HK$1.68M · loan HK$15.16M · min. income ≈ HK$146,954/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,919
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$78,982
−HK$2,092/mo
Today · 4.125%
HK$81,074
baseline
▲ 0.50% · 4.625%
HK$85,348
+HK$4,274/mo
Deposit HK$1.68M · loan HK$15.16M · min. income ≈ HK$162,148/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,700 · Scale 2, in force from 26 Feb 2026)