LTV · monthly repayment
▼ 0.50% · 3.625%
HK$39,168
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,386
−HK$1,238/mo
Today · 4.125%
HK$41,624
baseline
▲ 0.50% · 4.625%
HK$44,157
+HK$2,533/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$83,248/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$644,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,574
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,743
−HK$1,185/mo
Today · 4.125%
HK$45,928
baseline
▲ 0.50% · 4.625%
HK$48,349
+HK$2,421/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$91,856/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$644,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,002
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$48,464
−HK$1,485/mo
Today · 4.125%
HK$49,949
baseline
▲ 0.50% · 4.625%
HK$52,988
+HK$3,039/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$99,898/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$644,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,289
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,691
−HK$1,423/mo
Today · 4.125%
HK$55,114
baseline
▲ 0.50% · 4.625%
HK$58,019
+HK$2,905/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$110,228/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$644,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,835
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$56,541
−HK$1,733/mo
Today · 4.125%
HK$58,274
baseline
▲ 0.50% · 4.625%
HK$61,820
+HK$3,546/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$116,548/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,004
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$62,640
−HK$1,659/mo
Today · 4.125%
HK$64,299
baseline
▲ 0.50% · 4.625%
HK$67,689
+HK$3,390/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$128,598/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,502
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$72,695
−HK$2,229/mo
Today · 4.125%
HK$74,924
baseline
▲ 0.50% · 4.625%
HK$79,482
+HK$4,558/mo
Deposit HK$1.72M · loan HK$15.46M · min. income ≈ HK$149,848/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,433
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$80,537
−HK$2,134/mo
Today · 4.125%
HK$82,671
baseline
▲ 0.50% · 4.625%
HK$87,028
+HK$4,357/mo
Deposit HK$1.72M · loan HK$15.46M · min. income ≈ HK$165,342/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,139 · Scale 2, in force from 26 Feb 2026)