LTV · monthly repayment
▼ 0.50% · 3.625%
HK$38,426
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,621
−HK$1,215/mo
Today · 4.125%
HK$40,836
baseline
▲ 0.50% · 4.625%
HK$43,321
+HK$2,485/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$81,672/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$631,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,749
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,895
−HK$1,163/mo
Today · 4.125%
HK$45,058
baseline
▲ 0.50% · 4.625%
HK$47,433
+HK$2,375/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$90,116/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$631,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,111
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$47,546
−HK$1,457/mo
Today · 4.125%
HK$49,003
baseline
▲ 0.50% · 4.625%
HK$51,985
+HK$2,982/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$98,006/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,298
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$52,674
−HK$1,396/mo
Today · 4.125%
HK$54,070
baseline
▲ 0.50% · 4.625%
HK$56,920
+HK$2,850/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$108,140/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,797
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$55,470
−HK$1,700/mo
Today · 4.125%
HK$57,170
baseline
▲ 0.50% · 4.625%
HK$60,649
+HK$3,479/mo
Deposit HK$5.06M · loan HK$11.80M · min. income ≈ HK$114,340/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$631,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,848
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$61,453
−HK$1,629/mo
Today · 4.125%
HK$63,082
baseline
▲ 0.50% · 4.625%
HK$66,407
+HK$3,325/mo
Deposit HK$5.06M · loan HK$11.80M · min. income ≈ HK$126,164/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$631,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,167
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$71,318
−HK$2,186/mo
Today · 4.125%
HK$73,504
baseline
▲ 0.50% · 4.625%
HK$77,977
+HK$4,473/mo
Deposit HK$1.69M · loan HK$15.17M · min. income ≈ HK$147,008/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,948
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$79,011
−HK$2,094/mo
Today · 4.125%
HK$81,105
baseline
▲ 0.50% · 4.625%
HK$85,380
+HK$4,275/mo
Deposit HK$1.69M · loan HK$15.17M · min. income ≈ HK$162,210/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,938 · Scale 2, in force from 26 Feb 2026)