LTV · monthly repayment
▼ 0.50% · 3.625%
HK$40,151
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,400
−HK$1,269/mo
Today · 4.125%
HK$42,669
baseline
▲ 0.50% · 4.625%
HK$45,266
+HK$2,597/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$85,338/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$660,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,668
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,866
−HK$1,215/mo
Today · 4.125%
HK$47,081
baseline
▲ 0.50% · 4.625%
HK$49,563
+HK$2,482/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$94,162/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$660,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,182
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,680
−HK$1,523/mo
Today · 4.125%
HK$51,203
baseline
▲ 0.50% · 4.625%
HK$54,319
+HK$3,116/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$102,406/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,602
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$55,039
−HK$1,459/mo
Today · 4.125%
HK$56,498
baseline
▲ 0.50% · 4.625%
HK$59,476
+HK$2,978/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$112,996/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,212
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$57,960
−HK$1,777/mo
Today · 4.125%
HK$59,737
baseline
▲ 0.50% · 4.625%
HK$63,372
+HK$3,635/mo
Deposit HK$5.28M · loan HK$12.33M · min. income ≈ HK$119,474/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,535
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$64,212
−HK$1,702/mo
Today · 4.125%
HK$65,914
baseline
▲ 0.50% · 4.625%
HK$69,388
+HK$3,474/mo
Deposit HK$5.28M · loan HK$12.33M · min. income ≈ HK$131,828/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,272
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$74,521
−HK$2,284/mo
Today · 4.125%
HK$76,805
baseline
▲ 0.50% · 4.625%
HK$81,478
+HK$4,673/mo
Deposit HK$1.76M · loan HK$15.85M · min. income ≈ HK$153,610/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,402
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$82,559
−HK$2,187/mo
Today · 4.125%
HK$84,746
baseline
▲ 0.50% · 4.625%
HK$89,213
+HK$4,467/mo
Deposit HK$1.76M · loan HK$15.85M · min. income ≈ HK$169,492/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,311 · Scale 2, in force from 26 Feb 2026)