LTV · monthly repayment
▼ 0.50% · 3.625%
HK$39,232
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$40,453
−HK$1,240/mo
Today · 4.125%
HK$41,693
baseline
▲ 0.50% · 4.625%
HK$44,230
+HK$2,537/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$83,386/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,646
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,816
−HK$1,188/mo
Today · 4.125%
HK$46,004
baseline
▲ 0.50% · 4.625%
HK$48,429
+HK$2,425/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$92,008/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,079
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$48,543
−HK$1,488/mo
Today · 4.125%
HK$50,031
baseline
▲ 0.50% · 4.625%
HK$53,076
+HK$3,045/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$100,062/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,375
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$53,780
−HK$1,425/mo
Today · 4.125%
HK$55,205
baseline
▲ 0.50% · 4.625%
HK$58,114
+HK$2,909/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$110,410/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,925
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$56,634
−HK$1,736/mo
Today · 4.125%
HK$58,370
baseline
▲ 0.50% · 4.625%
HK$61,921
+HK$3,551/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$116,740/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,104
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$62,743
−HK$1,662/mo
Today · 4.125%
HK$64,405
baseline
▲ 0.50% · 4.625%
HK$67,800
+HK$3,395/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$128,810/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,618
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$72,815
−HK$2,232/mo
Today · 4.125%
HK$75,047
baseline
▲ 0.50% · 4.625%
HK$79,613
+HK$4,566/mo
Deposit HK$1.72M · loan HK$15.48M · min. income ≈ HK$150,094/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,562
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$80,669
−HK$2,138/mo
Today · 4.125%
HK$82,807
baseline
▲ 0.50% · 4.625%
HK$87,172
+HK$4,365/mo
Deposit HK$1.72M · loan HK$15.48M · min. income ≈ HK$165,614/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,199 · Scale 2, in force from 26 Feb 2026)