LTV · monthly repayment
▼ 0.50% · 3.625%
HK$39,462
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,690
−HK$1,247/mo
Today · 4.125%
HK$41,937
baseline
▲ 0.50% · 4.625%
HK$44,489
+HK$2,552/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$83,874/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$648,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,901
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,079
−HK$1,194/mo
Today · 4.125%
HK$46,273
baseline
▲ 0.50% · 4.625%
HK$48,712
+HK$2,439/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$92,546/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$648,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,355
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$48,828
−HK$1,496/mo
Today · 4.125%
HK$50,324
baseline
▲ 0.50% · 4.625%
HK$53,386
+HK$3,062/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$100,648/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$648,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,682
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$54,095
−HK$1,433/mo
Today · 4.125%
HK$55,528
baseline
▲ 0.50% · 4.625%
HK$58,455
+HK$2,927/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$111,056/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$648,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,247
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$56,966
−HK$1,746/mo
Today · 4.125%
HK$58,712
baseline
▲ 0.50% · 4.625%
HK$62,284
+HK$3,572/mo
Deposit HK$5.19M · loan HK$12.11M · min. income ≈ HK$117,424/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,462
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$63,110
−HK$1,673/mo
Today · 4.125%
HK$64,783
baseline
▲ 0.50% · 4.625%
HK$68,197
+HK$3,414/mo
Deposit HK$5.19M · loan HK$12.11M · min. income ≈ HK$129,566/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,032
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$73,242
−HK$2,245/mo
Today · 4.125%
HK$75,487
baseline
▲ 0.50% · 4.625%
HK$80,080
+HK$4,593/mo
Deposit HK$1.73M · loan HK$15.58M · min. income ≈ HK$150,974/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,023
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$81,142
−HK$2,150/mo
Today · 4.125%
HK$83,292
baseline
▲ 0.50% · 4.625%
HK$87,682
+HK$4,390/mo
Deposit HK$1.73M · loan HK$15.58M · min. income ≈ HK$166,584/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,979 · Scale 2, in force from 26 Feb 2026)