LTV · monthly repayment
▼ 0.50% · 3.625%
HK$38,516
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,714
−HK$1,217/mo
Today · 4.125%
HK$40,931
baseline
▲ 0.50% · 4.625%
HK$43,422
+HK$2,491/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$81,862/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,848
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$43,998
−HK$1,165/mo
Today · 4.125%
HK$45,163
baseline
▲ 0.50% · 4.625%
HK$47,544
+HK$2,381/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$90,326/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,219
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$47,657
−HK$1,460/mo
Today · 4.125%
HK$49,117
baseline
▲ 0.50% · 4.625%
HK$52,106
+HK$2,989/mo
Deposit HK$6.76M · loan HK$10.13M · min. income ≈ HK$98,234/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,418
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,797
−HK$1,399/mo
Today · 4.125%
HK$54,196
baseline
▲ 0.50% · 4.625%
HK$57,053
+HK$2,857/mo
Deposit HK$6.76M · loan HK$10.13M · min. income ≈ HK$108,392/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,922
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$55,599
−HK$1,704/mo
Today · 4.125%
HK$57,303
baseline
▲ 0.50% · 4.625%
HK$60,790
+HK$3,487/mo
Deposit HK$5.07M · loan HK$11.82M · min. income ≈ HK$114,606/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,988
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,597
−HK$1,632/mo
Today · 4.125%
HK$63,229
baseline
▲ 0.50% · 4.625%
HK$66,562
+HK$3,333/mo
Deposit HK$5.07M · loan HK$11.82M · min. income ≈ HK$126,458/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,328
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$71,485
−HK$2,191/mo
Today · 4.125%
HK$73,676
baseline
▲ 0.50% · 4.625%
HK$78,159
+HK$4,483/mo
Deposit HK$1.69M · loan HK$15.20M · min. income ≈ HK$147,352/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,127
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$79,196
−HK$2,098/mo
Today · 4.125%
HK$81,294
baseline
▲ 0.50% · 4.625%
HK$85,579
+HK$4,285/mo
Deposit HK$1.69M · loan HK$15.20M · min. income ≈ HK$162,588/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,412 · Scale 2, in force from 26 Feb 2026)