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$633,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,877
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,027
−HK$1,166/mo
Today · 4.125%
HK$45,193
baseline
▲ 0.50% · 4.625%
HK$47,576
+HK$2,383/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$633,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,250
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$47,688
−HK$1,462/mo
Today · 4.125%
HK$49,150
baseline
▲ 0.50% · 4.625%
HK$52,141
+HK$2,991/mo
Deposit HK$6.76M · loan HK$10.14M · min. income ≈ HK$98,300/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,452
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$52,832
−HK$1,400/mo
Today · 4.125%
HK$54,232
baseline
▲ 0.50% · 4.625%
HK$57,091
+HK$2,859/mo
Deposit HK$6.76M · loan HK$10.14M · min. income ≈ HK$108,464/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,958
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$55,636
−HK$1,706/mo
Today · 4.125%
HK$57,342
baseline
▲ 0.50% · 4.625%
HK$60,831
+HK$3,489/mo
Deposit HK$5.07M · loan HK$11.83M · min. income ≈ HK$114,684/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,028
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$61,638
−HK$1,633/mo
Today · 4.125%
HK$63,271
baseline
▲ 0.50% · 4.625%
HK$66,606
+HK$3,335/mo
Deposit HK$5.07M · loan HK$11.83M · min. income ≈ HK$126,542/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,374
−HK$4,351/mo
▼ 0.25% · 3.875%
HK$71,532
−HK$2,193/mo
Today · 4.125%
HK$73,725
baseline
▲ 0.50% · 4.625%
HK$78,211
+HK$4,486/mo
Deposit HK$1.69M · loan HK$15.21M · min. income ≈ HK$147,450/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,178
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$79,248
−HK$2,100/mo
Today · 4.125%
HK$81,348
baseline
▲ 0.50% · 4.625%
HK$85,636
+HK$4,288/mo
Deposit HK$1.69M · loan HK$15.21M · min. income ≈ HK$162,696/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,833 · Scale 2, in force from 26 Feb 2026)