LTV · monthly repayment
▼ 0.50% · 3.625%
HK$39,230
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,450
−HK$1,240/mo
Today · 4.125%
HK$41,690
baseline
▲ 0.50% · 4.625%
HK$44,227
+HK$2,537/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$83,380/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,643
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,813
−HK$1,188/mo
Today · 4.125%
HK$46,001
baseline
▲ 0.50% · 4.625%
HK$48,425
+HK$2,424/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$92,002/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,076
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$48,540
−HK$1,488/mo
Today · 4.125%
HK$50,028
baseline
▲ 0.50% · 4.625%
HK$53,072
+HK$3,044/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$100,056/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,371
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$53,776
−HK$1,425/mo
Today · 4.125%
HK$55,201
baseline
▲ 0.50% · 4.625%
HK$58,110
+HK$2,909/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$110,402/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,922
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,630
−HK$1,736/mo
Today · 4.125%
HK$58,366
baseline
▲ 0.50% · 4.625%
HK$61,917
+HK$3,551/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$116,732/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,100
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$62,739
−HK$1,662/mo
Today · 4.125%
HK$64,401
baseline
▲ 0.50% · 4.625%
HK$67,796
+HK$3,395/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$128,802/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,614
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$72,810
−HK$2,232/mo
Today · 4.125%
HK$75,042
baseline
▲ 0.50% · 4.625%
HK$79,608
+HK$4,566/mo
Deposit HK$1.72M · loan HK$15.48M · min. income ≈ HK$150,084/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,557
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$80,664
−HK$2,137/mo
Today · 4.125%
HK$82,801
baseline
▲ 0.50% · 4.625%
HK$87,166
+HK$4,365/mo
Deposit HK$1.72M · loan HK$15.48M · min. income ≈ HK$165,602/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,155 · Scale 2, in force from 26 Feb 2026)