LTV · monthly repayment
▼ 0.50% · 3.625%
HK$38,541
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$39,740
−HK$1,218/mo
Today · 4.125%
HK$40,958
baseline
▲ 0.50% · 4.625%
HK$43,450
+HK$2,492/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$81,916/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,876
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$44,026
−HK$1,167/mo
Today · 4.125%
HK$45,193
baseline
▲ 0.50% · 4.625%
HK$47,575
+HK$2,382/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$90,386/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,249
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$47,688
−HK$1,461/mo
Today · 4.125%
HK$49,149
baseline
▲ 0.50% · 4.625%
HK$52,140
+HK$2,991/mo
Deposit HK$6.76M · loan HK$10.14M · min. income ≈ HK$98,298/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,452
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$52,832
−HK$1,399/mo
Today · 4.125%
HK$54,231
baseline
▲ 0.50% · 4.625%
HK$57,090
+HK$2,859/mo
Deposit HK$6.76M · loan HK$10.14M · min. income ≈ HK$108,462/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,957
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$55,636
−HK$1,705/mo
Today · 4.125%
HK$57,341
baseline
▲ 0.50% · 4.625%
HK$60,830
+HK$3,489/mo
Deposit HK$5.07M · loan HK$11.83M · min. income ≈ HK$114,682/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,027
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$61,637
−HK$1,633/mo
Today · 4.125%
HK$63,270
baseline
▲ 0.50% · 4.625%
HK$66,605
+HK$3,335/mo
Deposit HK$5.07M · loan HK$11.83M · min. income ≈ HK$126,540/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,374
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$71,532
−HK$2,192/mo
Today · 4.125%
HK$73,724
baseline
▲ 0.50% · 4.625%
HK$78,210
+HK$4,486/mo
Deposit HK$1.69M · loan HK$15.21M · min. income ≈ HK$147,448/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,177
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$79,247
−HK$2,100/mo
Today · 4.125%
HK$81,347
baseline
▲ 0.50% · 4.625%
HK$85,635
+HK$4,288/mo
Deposit HK$1.69M · loan HK$15.21M · min. income ≈ HK$162,694/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,826 · Scale 2, in force from 26 Feb 2026)