LTV · monthly repayment
▼ 0.50% · 3.625%
HK$39,822
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$41,061
−HK$1,259/mo
Today · 4.125%
HK$42,320
baseline
▲ 0.50% · 4.625%
HK$44,895
+HK$2,575/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$84,640/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$654,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,302
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,490
−HK$1,205/mo
Today · 4.125%
HK$46,695
baseline
▲ 0.50% · 4.625%
HK$49,157
+HK$2,462/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$93,390/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$654,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,787
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$49,273
−HK$1,511/mo
Today · 4.125%
HK$50,784
baseline
▲ 0.50% · 4.625%
HK$53,874
+HK$3,090/mo
Deposit HK$6.99M · loan HK$10.48M · min. income ≈ HK$101,568/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,162
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$54,588
−HK$1,447/mo
Today · 4.125%
HK$56,035
baseline
▲ 0.50% · 4.625%
HK$58,988
+HK$2,953/mo
Deposit HK$6.99M · loan HK$10.48M · min. income ≈ HK$112,070/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,751
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,486
−HK$1,761/mo
Today · 4.125%
HK$59,247
baseline
▲ 0.50% · 4.625%
HK$62,852
+HK$3,605/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$118,494/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,023
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,686
−HK$1,688/mo
Today · 4.125%
HK$65,374
baseline
▲ 0.50% · 4.625%
HK$68,820
+HK$3,446/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$130,748/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,680
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$73,910
−HK$2,265/mo
Today · 4.125%
HK$76,175
baseline
▲ 0.50% · 4.625%
HK$80,810
+HK$4,635/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$152,350/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,744
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$81,882
−HK$2,170/mo
Today · 4.125%
HK$84,052
baseline
▲ 0.50% · 4.625%
HK$88,482
+HK$4,430/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$168,104/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,900 · Scale 2, in force from 26 Feb 2026)