LTV · monthly repayment
▼ 0.50% · 3.625%
HK$40,106
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$41,354
−HK$1,267/mo
Today · 4.125%
HK$42,621
baseline
▲ 0.50% · 4.625%
HK$45,214
+HK$2,593/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$85,242/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,618
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,814
−HK$1,214/mo
Today · 4.125%
HK$47,028
baseline
▲ 0.50% · 4.625%
HK$49,507
+HK$2,479/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$94,056/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,127
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$49,624
−HK$1,521/mo
Today · 4.125%
HK$51,145
baseline
▲ 0.50% · 4.625%
HK$54,257
+HK$3,112/mo
Deposit HK$7.04M · loan HK$10.55M · min. income ≈ HK$102,290/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$659,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,541
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$54,977
−HK$1,457/mo
Today · 4.125%
HK$56,434
baseline
▲ 0.50% · 4.625%
HK$59,408
+HK$2,974/mo
Deposit HK$7.04M · loan HK$10.55M · min. income ≈ HK$112,868/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$659,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,148
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$57,895
−HK$1,774/mo
Today · 4.125%
HK$59,669
baseline
▲ 0.50% · 4.625%
HK$63,300
+HK$3,631/mo
Deposit HK$5.28M · loan HK$12.31M · min. income ≈ HK$119,338/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$659,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,465
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$64,140
−HK$1,699/mo
Today · 4.125%
HK$65,839
baseline
▲ 0.50% · 4.625%
HK$69,310
+HK$3,471/mo
Deposit HK$5.28M · loan HK$12.31M · min. income ≈ HK$131,678/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$659,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,191
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$74,436
−HK$2,282/mo
Today · 4.125%
HK$76,718
baseline
▲ 0.50% · 4.625%
HK$81,386
+HK$4,668/mo
Deposit HK$1.76M · loan HK$15.83M · min. income ≈ HK$153,436/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,312
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$82,466
−HK$2,185/mo
Today · 4.125%
HK$84,651
baseline
▲ 0.50% · 4.625%
HK$89,113
+HK$4,462/mo
Deposit HK$1.76M · loan HK$15.83M · min. income ≈ HK$169,302/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,565 · Scale 2, in force from 26 Feb 2026)