LTV · monthly repayment
▼ 0.50% · 3.625%
HK$46,804
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$48,260
−HK$1,479/mo
Today · 4.125%
HK$49,739
baseline
▲ 0.50% · 4.625%
HK$52,766
+HK$3,027/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$99,478/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$802,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,069
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$53,466
−HK$1,416/mo
Today · 4.125%
HK$54,882
baseline
▲ 0.50% · 4.625%
HK$57,775
+HK$2,893/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$109,764/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$802,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,165
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$57,912
−HK$1,775/mo
Today · 4.125%
HK$59,687
baseline
▲ 0.50% · 4.625%
HK$63,319
+HK$3,632/mo
Deposit HK$8.21M · loan HK$12.32M · min. income ≈ HK$119,374/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$802,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,483
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$64,159
−HK$1,700/mo
Today · 4.125%
HK$65,859
baseline
▲ 0.50% · 4.625%
HK$69,330
+HK$3,471/mo
Deposit HK$8.21M · loan HK$12.32M · min. income ≈ HK$131,718/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$802,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,526
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$67,564
−HK$2,071/mo
Today · 4.125%
HK$69,635
baseline
▲ 0.50% · 4.625%
HK$73,872
+HK$4,237/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$139,270/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$802,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,897
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$74,852
−HK$1,983/mo
Today · 4.125%
HK$76,835
baseline
▲ 0.50% · 4.625%
HK$80,885
+HK$4,050/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$153,670/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$802,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,248
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$86,868
−HK$2,663/mo
Today · 4.125%
HK$89,531
baseline
▲ 0.50% · 4.625%
HK$94,978
+HK$5,447/mo
Deposit HK$2.05M · loan HK$18.47M · min. income ≈ HK$179,062/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$802,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,725
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$96,238
−HK$2,550/mo
Today · 4.125%
HK$98,788
baseline
▲ 0.50% · 4.625%
HK$103,996
+HK$5,208/mo
Deposit HK$2.05M · loan HK$18.47M · min. income ≈ HK$197,576/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$802,588 · Scale 2, in force from 26 Feb 2026)