LTV · monthly repayment
▼ 0.50% · 3.625%
HK$38,955
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,167
−HK$1,231/mo
Today · 4.125%
HK$41,398
baseline
▲ 0.50% · 4.625%
HK$43,917
+HK$2,519/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$82,796/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,338
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,500
−HK$1,179/mo
Today · 4.125%
HK$45,679
baseline
▲ 0.50% · 4.625%
HK$48,087
+HK$2,408/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$91,358/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,747
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$48,201
−HK$1,477/mo
Today · 4.125%
HK$49,678
baseline
▲ 0.50% · 4.625%
HK$52,701
+HK$3,023/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$99,356/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,005
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,400
−HK$1,415/mo
Today · 4.125%
HK$54,815
baseline
▲ 0.50% · 4.625%
HK$57,704
+HK$2,889/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$109,630/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,538
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,234
−HK$1,724/mo
Today · 4.125%
HK$57,958
baseline
▲ 0.50% · 4.625%
HK$61,484
+HK$3,526/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$115,916/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,673
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,300
−HK$1,651/mo
Today · 4.125%
HK$63,951
baseline
▲ 0.50% · 4.625%
HK$67,321
+HK$3,370/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$127,902/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,120
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$72,301
−HK$2,216/mo
Today · 4.125%
HK$74,517
baseline
▲ 0.50% · 4.625%
HK$79,051
+HK$4,534/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$149,034/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,008
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$80,100
−HK$2,122/mo
Today · 4.125%
HK$82,222
baseline
▲ 0.50% · 4.625%
HK$86,556
+HK$4,334/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$164,444/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,644 · Scale 2, in force from 26 Feb 2026)