LTV · monthly repayment
▼ 0.50% · 3.625%
HK$39,202
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,422
−HK$1,238/mo
Today · 4.125%
HK$41,660
baseline
▲ 0.50% · 4.625%
HK$44,195
+HK$2,535/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$83,320/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,612
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,782
−HK$1,186/mo
Today · 4.125%
HK$45,968
baseline
▲ 0.50% · 4.625%
HK$48,391
+HK$2,423/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$91,936/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,043
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$48,506
−HK$1,487/mo
Today · 4.125%
HK$49,993
baseline
▲ 0.50% · 4.625%
HK$53,035
+HK$3,042/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$99,986/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,334
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$53,738
−HK$1,424/mo
Today · 4.125%
HK$55,162
baseline
▲ 0.50% · 4.625%
HK$58,070
+HK$2,908/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$110,324/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,883
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,590
−HK$1,735/mo
Today · 4.125%
HK$58,325
baseline
▲ 0.50% · 4.625%
HK$61,874
+HK$3,549/mo
Deposit HK$5.16M · loan HK$12.03M · min. income ≈ HK$116,650/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,057
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,694
−HK$1,662/mo
Today · 4.125%
HK$64,356
baseline
▲ 0.50% · 4.625%
HK$67,748
+HK$3,392/mo
Deposit HK$5.16M · loan HK$12.03M · min. income ≈ HK$128,712/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,564
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$72,759
−HK$2,230/mo
Today · 4.125%
HK$74,989
baseline
▲ 0.50% · 4.625%
HK$79,552
+HK$4,563/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$149,978/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,502
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$80,607
−HK$2,136/mo
Today · 4.125%
HK$82,743
baseline
▲ 0.50% · 4.625%
HK$87,104
+HK$4,361/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$165,486/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,700 · Scale 2, in force from 26 Feb 2026)