LTV · monthly repayment
▼ 0.50% · 3.625%
HK$39,172
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,391
−HK$1,238/mo
Today · 4.125%
HK$41,629
baseline
▲ 0.50% · 4.625%
HK$44,162
+HK$2,533/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$83,258/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$644,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,579
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,748
−HK$1,185/mo
Today · 4.125%
HK$45,933
baseline
▲ 0.50% · 4.625%
HK$48,354
+HK$2,421/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$91,866/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$644,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,007
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$48,469
−HK$1,485/mo
Today · 4.125%
HK$49,954
baseline
▲ 0.50% · 4.625%
HK$52,994
+HK$3,040/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$99,908/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,295
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,697
−HK$1,423/mo
Today · 4.125%
HK$55,120
baseline
▲ 0.50% · 4.625%
HK$58,025
+HK$2,905/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$110,240/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,841
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$56,547
−HK$1,733/mo
Today · 4.125%
HK$58,280
baseline
▲ 0.50% · 4.625%
HK$61,826
+HK$3,546/mo
Deposit HK$5.15M · loan HK$12.03M · min. income ≈ HK$116,560/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,010
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$62,647
−HK$1,660/mo
Today · 4.125%
HK$64,307
baseline
▲ 0.50% · 4.625%
HK$67,696
+HK$3,389/mo
Deposit HK$5.15M · loan HK$12.03M · min. income ≈ HK$128,614/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,510
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$72,703
−HK$2,229/mo
Today · 4.125%
HK$74,932
baseline
▲ 0.50% · 4.625%
HK$79,491
+HK$4,559/mo
Deposit HK$1.72M · loan HK$15.46M · min. income ≈ HK$149,864/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,442
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$80,546
−HK$2,134/mo
Today · 4.125%
HK$82,680
baseline
▲ 0.50% · 4.625%
HK$87,038
+HK$4,358/mo
Deposit HK$1.72M · loan HK$15.46M · min. income ≈ HK$165,360/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,209 · Scale 2, in force from 26 Feb 2026)