LTV · monthly repayment
▼ 0.50% · 3.625%
HK$38,414
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,609
−HK$1,214/mo
Today · 4.125%
HK$40,823
baseline
▲ 0.50% · 4.625%
HK$43,307
+HK$2,484/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$81,646/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$631,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,736
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,882
−HK$1,163/mo
Today · 4.125%
HK$45,045
baseline
▲ 0.50% · 4.625%
HK$47,419
+HK$2,374/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$90,090/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$631,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,097
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,531
−HK$1,457/mo
Today · 4.125%
HK$48,988
baseline
▲ 0.50% · 4.625%
HK$51,969
+HK$2,981/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$97,976/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,283
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,658
−HK$1,395/mo
Today · 4.125%
HK$54,053
baseline
▲ 0.50% · 4.625%
HK$56,903
+HK$2,850/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$108,106/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,780
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$55,453
−HK$1,700/mo
Today · 4.125%
HK$57,153
baseline
▲ 0.50% · 4.625%
HK$60,630
+HK$3,477/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$114,306/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$631,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,830
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$61,435
−HK$1,627/mo
Today · 4.125%
HK$63,062
baseline
▲ 0.50% · 4.625%
HK$66,387
+HK$3,325/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$126,124/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$631,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,146
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$71,297
−HK$2,185/mo
Today · 4.125%
HK$73,482
baseline
▲ 0.50% · 4.625%
HK$77,953
+HK$4,471/mo
Deposit HK$1.68M · loan HK$15.16M · min. income ≈ HK$146,964/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,924
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$78,987
−HK$2,093/mo
Today · 4.125%
HK$81,080
baseline
▲ 0.50% · 4.625%
HK$85,354
+HK$4,274/mo
Deposit HK$1.68M · loan HK$15.16M · min. income ≈ HK$162,160/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,746 · Scale 2, in force from 26 Feb 2026)