LTV · monthly repayment
▼ 0.50% · 3.625%
HK$38,998
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,211
−HK$1,232/mo
Today · 4.125%
HK$41,443
baseline
▲ 0.50% · 4.625%
HK$43,965
+HK$2,522/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$82,886/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$641,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,384
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,548
−HK$1,180/mo
Today · 4.125%
HK$45,728
baseline
▲ 0.50% · 4.625%
HK$48,139
+HK$2,411/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$91,456/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$641,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,797
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$48,253
−HK$1,479/mo
Today · 4.125%
HK$49,732
baseline
▲ 0.50% · 4.625%
HK$52,758
+HK$3,026/mo
Deposit HK$6.84M · loan HK$10.26M · min. income ≈ HK$99,464/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$641,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,061
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$53,457
−HK$1,417/mo
Today · 4.125%
HK$54,874
baseline
▲ 0.50% · 4.625%
HK$57,766
+HK$2,892/mo
Deposit HK$6.84M · loan HK$10.26M · min. income ≈ HK$109,748/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$641,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,597
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$56,295
−HK$1,725/mo
Today · 4.125%
HK$58,020
baseline
▲ 0.50% · 4.625%
HK$61,551
+HK$3,531/mo
Deposit HK$5.13M · loan HK$11.97M · min. income ≈ HK$116,040/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,738
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$62,367
−HK$1,653/mo
Today · 4.125%
HK$64,020
baseline
▲ 0.50% · 4.625%
HK$67,394
+HK$3,374/mo
Deposit HK$5.13M · loan HK$11.97M · min. income ≈ HK$128,040/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,196
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$72,379
−HK$2,218/mo
Today · 4.125%
HK$74,597
baseline
▲ 0.50% · 4.625%
HK$79,136
+HK$4,539/mo
Deposit HK$1.71M · loan HK$15.39M · min. income ≈ HK$149,194/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,092
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$80,186
−HK$2,125/mo
Today · 4.125%
HK$82,311
baseline
▲ 0.50% · 4.625%
HK$86,650
+HK$4,339/mo
Deposit HK$1.71M · loan HK$15.39M · min. income ≈ HK$164,622/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,335 · Scale 2, in force from 26 Feb 2026)