LTV · monthly repayment
▼ 0.50% · 3.625%
HK$38,512
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,710
−HK$1,217/mo
Today · 4.125%
HK$40,927
baseline
▲ 0.50% · 4.625%
HK$43,418
+HK$2,491/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$81,854/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,845
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,994
−HK$1,165/mo
Today · 4.125%
HK$45,159
baseline
▲ 0.50% · 4.625%
HK$47,540
+HK$2,381/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$90,318/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,215
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$47,652
−HK$1,461/mo
Today · 4.125%
HK$49,113
baseline
▲ 0.50% · 4.625%
HK$52,101
+HK$2,988/mo
Deposit HK$6.76M · loan HK$10.13M · min. income ≈ HK$98,226/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,413
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,792
−HK$1,399/mo
Today · 4.125%
HK$54,191
baseline
▲ 0.50% · 4.625%
HK$57,048
+HK$2,857/mo
Deposit HK$6.76M · loan HK$10.13M · min. income ≈ HK$108,382/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,917
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$55,594
−HK$1,704/mo
Today · 4.125%
HK$57,298
baseline
▲ 0.50% · 4.625%
HK$60,785
+HK$3,487/mo
Deposit HK$5.07M · loan HK$11.82M · min. income ≈ HK$114,596/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,982
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,591
−HK$1,632/mo
Today · 4.125%
HK$63,223
baseline
▲ 0.50% · 4.625%
HK$66,556
+HK$3,333/mo
Deposit HK$5.07M · loan HK$11.82M · min. income ≈ HK$126,446/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,322
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$71,478
−HK$2,191/mo
Today · 4.125%
HK$73,669
baseline
▲ 0.50% · 4.625%
HK$78,152
+HK$4,483/mo
Deposit HK$1.69M · loan HK$15.20M · min. income ≈ HK$147,338/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,120
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$79,189
−HK$2,098/mo
Today · 4.125%
HK$81,287
baseline
▲ 0.50% · 4.625%
HK$85,572
+HK$4,285/mo
Deposit HK$1.69M · loan HK$15.20M · min. income ≈ HK$162,574/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,355 · Scale 2, in force from 26 Feb 2026)