LTV · monthly repayment
▼ 0.50% · 3.625%
HK$47,196
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$48,664
−HK$1,491/mo
Today · 4.125%
HK$50,155
baseline
▲ 0.50% · 4.625%
HK$53,207
+HK$3,052/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$100,310/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$819,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,505
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$53,913
−HK$1,428/mo
Today · 4.125%
HK$55,341
baseline
▲ 0.50% · 4.625%
HK$58,258
+HK$2,917/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$110,682/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$819,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,635
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$58,396
−HK$1,790/mo
Today · 4.125%
HK$60,186
baseline
▲ 0.50% · 4.625%
HK$63,848
+HK$3,662/mo
Deposit HK$8.28M · loan HK$12.42M · min. income ≈ HK$120,372/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$819,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,006
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,695
−HK$1,715/mo
Today · 4.125%
HK$66,410
baseline
▲ 0.50% · 4.625%
HK$69,910
+HK$3,500/mo
Deposit HK$8.28M · loan HK$12.42M · min. income ≈ HK$132,820/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$819,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,074
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$68,129
−HK$2,088/mo
Today · 4.125%
HK$70,217
baseline
▲ 0.50% · 4.625%
HK$74,490
+HK$4,273/mo
Deposit HK$6.21M · loan HK$14.49M · min. income ≈ HK$140,434/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$819,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,507
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$75,478
−HK$2,000/mo
Today · 4.125%
HK$77,478
baseline
▲ 0.50% · 4.625%
HK$81,562
+HK$4,084/mo
Deposit HK$6.21M · loan HK$14.49M · min. income ≈ HK$154,956/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$819,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,952
−HK$5,327/mo
▼ 0.25% · 3.875%
HK$87,595
−HK$2,684/mo
Today · 4.125%
HK$90,279
baseline
▲ 0.50% · 4.625%
HK$95,773
+HK$5,494/mo
Deposit HK$2.07M · loan HK$18.63M · min. income ≈ HK$180,558/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$819,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,508
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$97,043
−HK$2,571/mo
Today · 4.125%
HK$99,614
baseline
▲ 0.50% · 4.625%
HK$104,865
+HK$5,251/mo
Deposit HK$2.07M · loan HK$18.63M · min. income ≈ HK$199,228/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$819,752 · Scale 2, in force from 26 Feb 2026)