LTV · monthly repayment
▼ 0.50% · 3.625%
HK$39,196
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,415
−HK$1,239/mo
Today · 4.125%
HK$41,654
baseline
▲ 0.50% · 4.625%
HK$44,189
+HK$2,535/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$83,308/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,605
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,775
−HK$1,186/mo
Today · 4.125%
HK$45,961
baseline
▲ 0.50% · 4.625%
HK$48,384
+HK$2,423/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$91,922/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,035
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$48,498
−HK$1,487/mo
Today · 4.125%
HK$49,985
baseline
▲ 0.50% · 4.625%
HK$53,026
+HK$3,041/mo
Deposit HK$6.88M · loan HK$10.31M · min. income ≈ HK$99,970/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,326
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$53,730
−HK$1,423/mo
Today · 4.125%
HK$55,153
baseline
▲ 0.50% · 4.625%
HK$58,060
+HK$2,907/mo
Deposit HK$6.88M · loan HK$10.31M · min. income ≈ HK$110,306/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,874
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,581
−HK$1,735/mo
Today · 4.125%
HK$58,316
baseline
▲ 0.50% · 4.625%
HK$61,864
+HK$3,548/mo
Deposit HK$5.16M · loan HK$12.03M · min. income ≈ HK$116,632/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,047
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,685
−HK$1,660/mo
Today · 4.125%
HK$64,345
baseline
▲ 0.50% · 4.625%
HK$67,737
+HK$3,392/mo
Deposit HK$5.16M · loan HK$12.03M · min. income ≈ HK$128,690/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,553
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$72,747
−HK$2,230/mo
Today · 4.125%
HK$74,977
baseline
▲ 0.50% · 4.625%
HK$79,539
+HK$4,562/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$149,954/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,489
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$80,594
−HK$2,136/mo
Today · 4.125%
HK$82,730
baseline
▲ 0.50% · 4.625%
HK$87,091
+HK$4,361/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$165,460/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,599 · Scale 2, in force from 26 Feb 2026)