LTV · monthly repayment
▼ 0.50% · 3.625%
HK$40,040
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$41,285
−HK$1,266/mo
Today · 4.125%
HK$42,551
baseline
▲ 0.50% · 4.625%
HK$45,140
+HK$2,589/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$85,102/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,544
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,738
−HK$1,212/mo
Today · 4.125%
HK$46,950
baseline
▲ 0.50% · 4.625%
HK$49,425
+HK$2,475/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$93,900/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,048
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$49,542
−HK$1,519/mo
Today · 4.125%
HK$51,061
baseline
▲ 0.50% · 4.625%
HK$54,168
+HK$3,107/mo
Deposit HK$7.02M · loan HK$10.54M · min. income ≈ HK$102,122/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,453
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$54,886
−HK$1,454/mo
Today · 4.125%
HK$56,340
baseline
▲ 0.50% · 4.625%
HK$59,310
+HK$2,970/mo
Deposit HK$7.02M · loan HK$10.54M · min. income ≈ HK$112,680/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,056
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$57,799
−HK$1,772/mo
Today · 4.125%
HK$59,571
baseline
▲ 0.50% · 4.625%
HK$63,196
+HK$3,625/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$119,142/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,361
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$64,034
−HK$1,697/mo
Today · 4.125%
HK$65,731
baseline
▲ 0.50% · 4.625%
HK$69,195
+HK$3,464/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$131,462/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,072
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$74,313
−HK$2,278/mo
Today · 4.125%
HK$76,591
baseline
▲ 0.50% · 4.625%
HK$81,251
+HK$4,660/mo
Deposit HK$1.76M · loan HK$15.80M · min. income ≈ HK$153,182/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,179
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$82,329
−HK$2,182/mo
Today · 4.125%
HK$84,511
baseline
▲ 0.50% · 4.625%
HK$88,965
+HK$4,454/mo
Deposit HK$1.76M · loan HK$15.80M · min. income ≈ HK$169,022/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,475 · Scale 2, in force from 26 Feb 2026)