LTV · monthly repayment
▼ 0.50% · 3.625%
HK$38,528
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,726
−HK$1,218/mo
Today · 4.125%
HK$40,944
baseline
▲ 0.50% · 4.625%
HK$43,435
+HK$2,491/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$81,888/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,862
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$44,011
−HK$1,166/mo
Today · 4.125%
HK$45,177
baseline
▲ 0.50% · 4.625%
HK$47,559
+HK$2,382/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$90,354/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,233
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$47,671
−HK$1,461/mo
Today · 4.125%
HK$49,132
baseline
▲ 0.50% · 4.625%
HK$52,122
+HK$2,990/mo
Deposit HK$6.76M · loan HK$10.14M · min. income ≈ HK$98,264/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,434
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$52,813
−HK$1,400/mo
Today · 4.125%
HK$54,213
baseline
▲ 0.50% · 4.625%
HK$57,070
+HK$2,857/mo
Deposit HK$6.76M · loan HK$10.14M · min. income ≈ HK$108,426/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,939
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$55,616
−HK$1,705/mo
Today · 4.125%
HK$57,321
baseline
▲ 0.50% · 4.625%
HK$60,809
+HK$3,488/mo
Deposit HK$5.07M · loan HK$11.83M · min. income ≈ HK$114,642/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,006
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$61,615
−HK$1,633/mo
Today · 4.125%
HK$63,248
baseline
▲ 0.50% · 4.625%
HK$66,582
+HK$3,334/mo
Deposit HK$5.07M · loan HK$11.83M · min. income ≈ HK$126,496/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,350
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$71,507
−HK$2,191/mo
Today · 4.125%
HK$73,698
baseline
▲ 0.50% · 4.625%
HK$78,183
+HK$4,485/mo
Deposit HK$1.69M · loan HK$15.21M · min. income ≈ HK$147,396/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,151
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$79,220
−HK$2,099/mo
Today · 4.125%
HK$81,319
baseline
▲ 0.50% · 4.625%
HK$85,605
+HK$4,286/mo
Deposit HK$1.69M · loan HK$15.21M · min. income ≈ HK$162,638/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,606 · Scale 2, in force from 26 Feb 2026)