LTV · monthly repayment
▼ 0.50% · 3.625%
HK$39,500
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$40,729
−HK$1,248/mo
Today · 4.125%
HK$41,977
baseline
▲ 0.50% · 4.625%
HK$44,531
+HK$2,554/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$83,954/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,943
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,122
−HK$1,196/mo
Today · 4.125%
HK$46,318
baseline
▲ 0.50% · 4.625%
HK$48,759
+HK$2,441/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$92,636/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,400
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$48,874
−HK$1,498/mo
Today · 4.125%
HK$50,372
baseline
▲ 0.50% · 4.625%
HK$53,438
+HK$3,066/mo
Deposit HK$6.93M · loan HK$10.39M · min. income ≈ HK$100,744/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,732
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$54,146
−HK$1,435/mo
Today · 4.125%
HK$55,581
baseline
▲ 0.50% · 4.625%
HK$58,511
+HK$2,930/mo
Deposit HK$6.93M · loan HK$10.39M · min. income ≈ HK$111,162/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,300
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$57,020
−HK$1,748/mo
Today · 4.125%
HK$58,768
baseline
▲ 0.50% · 4.625%
HK$62,344
+HK$3,576/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$117,536/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,521
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$63,171
−HK$1,674/mo
Today · 4.125%
HK$64,845
baseline
▲ 0.50% · 4.625%
HK$68,263
+HK$3,418/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$129,690/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,100
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$73,312
−HK$2,247/mo
Today · 4.125%
HK$75,559
baseline
▲ 0.50% · 4.625%
HK$80,156
+HK$4,597/mo
Deposit HK$1.73M · loan HK$15.59M · min. income ≈ HK$151,118/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,098
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$81,220
−HK$2,152/mo
Today · 4.125%
HK$83,372
baseline
▲ 0.50% · 4.625%
HK$87,766
+HK$4,394/mo
Deposit HK$1.73M · loan HK$15.59M · min. income ≈ HK$166,744/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,600 · Scale 2, in force from 26 Feb 2026)