LTV · monthly repayment
▼ 0.50% · 3.625%
HK$38,434
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,629
−HK$1,215/mo
Today · 4.125%
HK$40,844
baseline
▲ 0.50% · 4.625%
HK$43,329
+HK$2,485/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$81,688/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$632,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,757
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,904
−HK$1,163/mo
Today · 4.125%
HK$45,067
baseline
▲ 0.50% · 4.625%
HK$47,443
+HK$2,376/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$90,134/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$632,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,121
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$47,555
−HK$1,458/mo
Today · 4.125%
HK$49,013
baseline
▲ 0.50% · 4.625%
HK$51,995
+HK$2,982/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$98,026/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$632,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,309
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$52,685
−HK$1,396/mo
Today · 4.125%
HK$54,081
baseline
▲ 0.50% · 4.625%
HK$56,931
+HK$2,850/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$108,162/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$632,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,807
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$55,481
−HK$1,700/mo
Today · 4.125%
HK$57,181
baseline
▲ 0.50% · 4.625%
HK$60,661
+HK$3,480/mo
Deposit HK$5.06M · loan HK$11.80M · min. income ≈ HK$114,362/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,860
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$61,465
−HK$1,629/mo
Today · 4.125%
HK$63,094
baseline
▲ 0.50% · 4.625%
HK$66,420
+HK$3,326/mo
Deposit HK$5.06M · loan HK$11.80M · min. income ≈ HK$126,188/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,181
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$71,333
−HK$2,186/mo
Today · 4.125%
HK$73,519
baseline
▲ 0.50% · 4.625%
HK$77,993
+HK$4,474/mo
Deposit HK$1.69M · loan HK$15.17M · min. income ≈ HK$147,038/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,963
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$79,027
−HK$2,094/mo
Today · 4.125%
HK$81,121
baseline
▲ 0.50% · 4.625%
HK$85,397
+HK$4,276/mo
Deposit HK$1.69M · loan HK$15.17M · min. income ≈ HK$162,242/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,064 · Scale 2, in force from 26 Feb 2026)