LTV · monthly repayment
▼ 0.50% · 3.625%
HK$39,217
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,437
−HK$1,239/mo
Today · 4.125%
HK$41,676
baseline
▲ 0.50% · 4.625%
HK$44,212
+HK$2,536/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$83,352/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,629
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,799
−HK$1,187/mo
Today · 4.125%
HK$45,986
baseline
▲ 0.50% · 4.625%
HK$48,410
+HK$2,424/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$91,972/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,061
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,524
−HK$1,488/mo
Today · 4.125%
HK$50,012
baseline
▲ 0.50% · 4.625%
HK$53,055
+HK$3,043/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$100,024/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,354
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,759
−HK$1,424/mo
Today · 4.125%
HK$55,183
baseline
▲ 0.50% · 4.625%
HK$58,092
+HK$2,909/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$110,366/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,904
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$56,612
−HK$1,735/mo
Today · 4.125%
HK$58,347
baseline
▲ 0.50% · 4.625%
HK$61,897
+HK$3,550/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$116,694/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,080
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,718
−HK$1,662/mo
Today · 4.125%
HK$64,380
baseline
▲ 0.50% · 4.625%
HK$67,774
+HK$3,394/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$128,760/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,591
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$72,787
−HK$2,231/mo
Today · 4.125%
HK$75,018
baseline
▲ 0.50% · 4.625%
HK$79,582
+HK$4,564/mo
Deposit HK$1.72M · loan HK$15.48M · min. income ≈ HK$150,036/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,532
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$80,638
−HK$2,136/mo
Today · 4.125%
HK$82,774
baseline
▲ 0.50% · 4.625%
HK$87,138
+HK$4,364/mo
Deposit HK$1.72M · loan HK$15.48M · min. income ≈ HK$165,548/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,947 · Scale 2, in force from 26 Feb 2026)