LTV · monthly repayment
▼ 0.50% · 3.625%
HK$47,318
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$48,790
−HK$1,495/mo
Today · 4.125%
HK$50,285
baseline
▲ 0.50% · 4.625%
HK$53,345
+HK$3,060/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$100,570/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$825,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,641
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$54,053
−HK$1,432/mo
Today · 4.125%
HK$55,485
baseline
▲ 0.50% · 4.625%
HK$58,410
+HK$2,925/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$110,970/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$825,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,782
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,548
−HK$1,794/mo
Today · 4.125%
HK$60,342
baseline
▲ 0.50% · 4.625%
HK$64,014
+HK$3,672/mo
Deposit HK$8.30M · loan HK$12.45M · min. income ≈ HK$120,684/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$825,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,169
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$64,863
−HK$1,719/mo
Today · 4.125%
HK$66,582
baseline
▲ 0.50% · 4.625%
HK$70,091
+HK$3,509/mo
Deposit HK$8.30M · loan HK$12.45M · min. income ≈ HK$133,164/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$825,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,245
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$68,306
−HK$2,093/mo
Today · 4.125%
HK$70,399
baseline
▲ 0.50% · 4.625%
HK$74,683
+HK$4,284/mo
Deposit HK$6.23M · loan HK$14.53M · min. income ≈ HK$140,798/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$825,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,697
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$75,674
−HK$2,005/mo
Today · 4.125%
HK$77,679
baseline
▲ 0.50% · 4.625%
HK$81,773
+HK$4,094/mo
Deposit HK$6.23M · loan HK$14.53M · min. income ≈ HK$155,358/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$825,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,172
−HK$5,342/mo
▼ 0.25% · 3.875%
HK$87,822
−HK$2,692/mo
Today · 4.125%
HK$90,514
baseline
▲ 0.50% · 4.625%
HK$96,021
+HK$5,507/mo
Deposit HK$2.08M · loan HK$18.68M · min. income ≈ HK$181,028/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$825,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,754
−HK$5,119/mo
▼ 0.25% · 3.875%
HK$97,295
−HK$2,578/mo
Today · 4.125%
HK$99,873
baseline
▲ 0.50% · 4.625%
HK$105,137
+HK$5,264/mo
Deposit HK$2.08M · loan HK$18.68M · min. income ≈ HK$199,746/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$825,120 · Scale 2, in force from 26 Feb 2026)