LTV · monthly repayment
▼ 0.50% · 3.625%
HK$39,198
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,417
−HK$1,239/mo
Today · 4.125%
HK$41,656
baseline
▲ 0.50% · 4.625%
HK$44,191
+HK$2,535/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$83,312/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,608
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,777
−HK$1,186/mo
Today · 4.125%
HK$45,963
baseline
▲ 0.50% · 4.625%
HK$48,386
+HK$2,423/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$91,926/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,038
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$48,501
−HK$1,486/mo
Today · 4.125%
HK$49,987
baseline
▲ 0.50% · 4.625%
HK$53,029
+HK$3,042/mo
Deposit HK$6.88M · loan HK$10.31M · min. income ≈ HK$99,974/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,329
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$53,732
−HK$1,424/mo
Today · 4.125%
HK$55,156
baseline
▲ 0.50% · 4.625%
HK$58,064
+HK$2,908/mo
Deposit HK$6.88M · loan HK$10.31M · min. income ≈ HK$110,312/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,877
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,584
−HK$1,735/mo
Today · 4.125%
HK$58,319
baseline
▲ 0.50% · 4.625%
HK$61,867
+HK$3,548/mo
Deposit HK$5.16M · loan HK$12.03M · min. income ≈ HK$116,638/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,051
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,688
−HK$1,661/mo
Today · 4.125%
HK$64,349
baseline
▲ 0.50% · 4.625%
HK$67,741
+HK$3,392/mo
Deposit HK$5.16M · loan HK$12.03M · min. income ≈ HK$128,698/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,557
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$72,751
−HK$2,230/mo
Today · 4.125%
HK$74,981
baseline
▲ 0.50% · 4.625%
HK$79,544
+HK$4,563/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$149,962/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,494
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$80,599
−HK$2,135/mo
Today · 4.125%
HK$82,734
baseline
▲ 0.50% · 4.625%
HK$87,095
+HK$4,361/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$165,468/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,634 · Scale 2, in force from 26 Feb 2026)