LTV · monthly repayment
▼ 0.50% · 3.625%
HK$38,670
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,873
−HK$1,222/mo
Today · 4.125%
HK$41,095
baseline
▲ 0.50% · 4.625%
HK$43,595
+HK$2,500/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$82,190/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$635,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,020
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,174
−HK$1,170/mo
Today · 4.125%
HK$45,344
baseline
▲ 0.50% · 4.625%
HK$47,734
+HK$2,390/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$90,688/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$635,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,404
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,847
−HK$1,467/mo
Today · 4.125%
HK$49,314
baseline
▲ 0.50% · 4.625%
HK$52,314
+HK$3,000/mo
Deposit HK$6.78M · loan HK$10.18M · min. income ≈ HK$98,628/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$635,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,624
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$53,008
−HK$1,405/mo
Today · 4.125%
HK$54,413
baseline
▲ 0.50% · 4.625%
HK$57,281
+HK$2,868/mo
Deposit HK$6.78M · loan HK$10.18M · min. income ≈ HK$108,826/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$635,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,138
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,822
−HK$1,711/mo
Today · 4.125%
HK$57,533
baseline
▲ 0.50% · 4.625%
HK$61,033
+HK$3,500/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$115,066/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,228
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$61,843
−HK$1,639/mo
Today · 4.125%
HK$63,482
baseline
▲ 0.50% · 4.625%
HK$66,828
+HK$3,346/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$126,964/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,606
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$71,771
−HK$2,200/mo
Today · 4.125%
HK$73,971
baseline
▲ 0.50% · 4.625%
HK$78,471
+HK$4,500/mo
Deposit HK$1.70M · loan HK$15.26M · min. income ≈ HK$147,942/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,436
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$79,512
−HK$2,107/mo
Today · 4.125%
HK$81,619
baseline
▲ 0.50% · 4.625%
HK$85,921
+HK$4,302/mo
Deposit HK$1.70M · loan HK$15.26M · min. income ≈ HK$163,238/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,945 · Scale 2, in force from 26 Feb 2026)