LTV · monthly repayment
▼ 0.50% · 3.625%
HK$39,451
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,679
−HK$1,246/mo
Today · 4.125%
HK$41,925
baseline
▲ 0.50% · 4.625%
HK$44,476
+HK$2,551/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$83,850/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$648,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,889
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,066
−HK$1,194/mo
Today · 4.125%
HK$46,260
baseline
▲ 0.50% · 4.625%
HK$48,699
+HK$2,439/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$92,520/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$648,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,342
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$48,814
−HK$1,496/mo
Today · 4.125%
HK$50,310
baseline
▲ 0.50% · 4.625%
HK$53,372
+HK$3,062/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$100,620/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$648,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,667
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$54,080
−HK$1,433/mo
Today · 4.125%
HK$55,513
baseline
▲ 0.50% · 4.625%
HK$58,439
+HK$2,926/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$111,026/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$648,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,232
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$56,950
−HK$1,745/mo
Today · 4.125%
HK$58,695
baseline
▲ 0.50% · 4.625%
HK$62,267
+HK$3,572/mo
Deposit HK$5.19M · loan HK$12.11M · min. income ≈ HK$117,390/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,445
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$63,093
−HK$1,672/mo
Today · 4.125%
HK$64,765
baseline
▲ 0.50% · 4.625%
HK$68,178
+HK$3,413/mo
Deposit HK$5.19M · loan HK$12.11M · min. income ≈ HK$129,530/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,012
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$73,221
−HK$2,245/mo
Today · 4.125%
HK$75,466
baseline
▲ 0.50% · 4.625%
HK$80,057
+HK$4,591/mo
Deposit HK$1.73M · loan HK$15.57M · min. income ≈ HK$150,932/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,001
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$81,119
−HK$2,150/mo
Today · 4.125%
HK$83,269
baseline
▲ 0.50% · 4.625%
HK$87,658
+HK$4,389/mo
Deposit HK$1.73M · loan HK$15.57M · min. income ≈ HK$166,538/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,798 · Scale 2, in force from 26 Feb 2026)