LTV · monthly repayment
▼ 0.50% · 3.625%
HK$39,463
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,691
−HK$1,247/mo
Today · 4.125%
HK$41,938
baseline
▲ 0.50% · 4.625%
HK$44,490
+HK$2,552/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$83,876/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$648,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,903
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,080
−HK$1,194/mo
Today · 4.125%
HK$46,274
baseline
▲ 0.50% · 4.625%
HK$48,714
+HK$2,440/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$92,548/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$648,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,356
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$48,829
−HK$1,497/mo
Today · 4.125%
HK$50,326
baseline
▲ 0.50% · 4.625%
HK$53,388
+HK$3,062/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$100,652/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$648,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,683
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$54,096
−HK$1,433/mo
Today · 4.125%
HK$55,529
baseline
▲ 0.50% · 4.625%
HK$58,456
+HK$2,927/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$111,058/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$648,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,249
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$56,967
−HK$1,746/mo
Today · 4.125%
HK$58,713
baseline
▲ 0.50% · 4.625%
HK$62,286
+HK$3,573/mo
Deposit HK$5.19M · loan HK$12.11M · min. income ≈ HK$117,426/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,464
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$63,112
−HK$1,672/mo
Today · 4.125%
HK$64,784
baseline
▲ 0.50% · 4.625%
HK$68,199
+HK$3,415/mo
Deposit HK$5.19M · loan HK$12.11M · min. income ≈ HK$129,568/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,034
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$73,244
−HK$2,244/mo
Today · 4.125%
HK$75,488
baseline
▲ 0.50% · 4.625%
HK$80,082
+HK$4,594/mo
Deposit HK$1.73M · loan HK$15.58M · min. income ≈ HK$150,976/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,025
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$81,144
−HK$2,150/mo
Today · 4.125%
HK$83,294
baseline
▲ 0.50% · 4.625%
HK$87,685
+HK$4,391/mo
Deposit HK$1.73M · loan HK$15.58M · min. income ≈ HK$166,588/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,995 · Scale 2, in force from 26 Feb 2026)