LTV · monthly repayment
▼ 0.50% · 3.625%
HK$40,300
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,554
−HK$1,273/mo
Today · 4.125%
HK$42,827
baseline
▲ 0.50% · 4.625%
HK$45,433
+HK$2,606/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$85,654/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,834
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$46,036
−HK$1,220/mo
Today · 4.125%
HK$47,256
baseline
▲ 0.50% · 4.625%
HK$49,747
+HK$2,491/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$94,512/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,360
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,865
−HK$1,528/mo
Today · 4.125%
HK$51,393
baseline
▲ 0.50% · 4.625%
HK$54,520
+HK$3,127/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$102,786/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,800
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$55,243
−HK$1,464/mo
Today · 4.125%
HK$56,707
baseline
▲ 0.50% · 4.625%
HK$59,696
+HK$2,989/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$113,414/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,420
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$58,175
−HK$1,783/mo
Today · 4.125%
HK$59,958
baseline
▲ 0.50% · 4.625%
HK$63,607
+HK$3,649/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$119,916/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,767
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$64,451
−HK$1,707/mo
Today · 4.125%
HK$66,158
baseline
▲ 0.50% · 4.625%
HK$69,646
+HK$3,488/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$132,316/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,541
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$74,797
−HK$2,292/mo
Today · 4.125%
HK$77,089
baseline
▲ 0.50% · 4.625%
HK$81,780
+HK$4,691/mo
Deposit HK$1.77M · loan HK$15.91M · min. income ≈ HK$154,178/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,701
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$82,865
−HK$2,196/mo
Today · 4.125%
HK$85,061
baseline
▲ 0.50% · 4.625%
HK$89,544
+HK$4,483/mo
Deposit HK$1.77M · loan HK$15.91M · min. income ≈ HK$170,122/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,760 · Scale 2, in force from 26 Feb 2026)