LTV · monthly repayment
▼ 0.50% · 3.625%
HK$39,221
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,441
−HK$1,239/mo
Today · 4.125%
HK$41,680
baseline
▲ 0.50% · 4.625%
HK$44,217
+HK$2,537/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$83,360/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,633
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,803
−HK$1,187/mo
Today · 4.125%
HK$45,990
baseline
▲ 0.50% · 4.625%
HK$48,414
+HK$2,424/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$91,980/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,065
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,529
−HK$1,487/mo
Today · 4.125%
HK$50,016
baseline
▲ 0.50% · 4.625%
HK$53,060
+HK$3,044/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$100,032/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,359
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,764
−HK$1,424/mo
Today · 4.125%
HK$55,188
baseline
▲ 0.50% · 4.625%
HK$58,097
+HK$2,909/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$110,376/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,909
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$56,617
−HK$1,735/mo
Today · 4.125%
HK$58,352
baseline
▲ 0.50% · 4.625%
HK$61,903
+HK$3,551/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$116,704/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,086
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,724
−HK$1,662/mo
Today · 4.125%
HK$64,386
baseline
▲ 0.50% · 4.625%
HK$67,780
+HK$3,394/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$128,772/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,598
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$72,794
−HK$2,231/mo
Today · 4.125%
HK$75,025
baseline
▲ 0.50% · 4.625%
HK$79,590
+HK$4,565/mo
Deposit HK$1.72M · loan HK$15.48M · min. income ≈ HK$150,050/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,539
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$80,645
−HK$2,137/mo
Today · 4.125%
HK$82,782
baseline
▲ 0.50% · 4.625%
HK$87,146
+HK$4,364/mo
Deposit HK$1.72M · loan HK$15.48M · min. income ≈ HK$165,564/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,008 · Scale 2, in force from 26 Feb 2026)