LTV · monthly repayment
▼ 0.50% · 3.625%
HK$47,360
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$48,833
−HK$1,497/mo
Today · 4.125%
HK$50,330
baseline
▲ 0.50% · 4.625%
HK$53,392
+HK$3,062/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$100,660/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$826,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,687
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$54,100
−HK$1,434/mo
Today · 4.125%
HK$55,534
baseline
▲ 0.50% · 4.625%
HK$58,461
+HK$2,927/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$111,068/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$826,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,832
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$58,599
−HK$1,796/mo
Today · 4.125%
HK$60,395
baseline
▲ 0.50% · 4.625%
HK$64,070
+HK$3,675/mo
Deposit HK$8.31M · loan HK$12.46M · min. income ≈ HK$120,790/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$826,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,225
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$64,920
−HK$1,720/mo
Today · 4.125%
HK$66,640
baseline
▲ 0.50% · 4.625%
HK$70,153
+HK$3,513/mo
Deposit HK$8.31M · loan HK$12.46M · min. income ≈ HK$133,280/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$826,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,304
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$68,366
−HK$2,095/mo
Today · 4.125%
HK$70,461
baseline
▲ 0.50% · 4.625%
HK$74,749
+HK$4,288/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$140,922/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$826,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,762
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$75,740
−HK$2,007/mo
Today · 4.125%
HK$77,747
baseline
▲ 0.50% · 4.625%
HK$81,845
+HK$4,098/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$155,494/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$826,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,247
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$87,899
−HK$2,694/mo
Today · 4.125%
HK$90,593
baseline
▲ 0.50% · 4.625%
HK$96,106
+HK$5,513/mo
Deposit HK$2.08M · loan HK$18.69M · min. income ≈ HK$181,186/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$826,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,837
−HK$5,124/mo
▼ 0.25% · 3.875%
HK$97,380
−HK$2,581/mo
Today · 4.125%
HK$99,961
baseline
▲ 0.50% · 4.625%
HK$105,230
+HK$5,269/mo
Deposit HK$2.08M · loan HK$18.69M · min. income ≈ HK$199,922/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$826,946 · Scale 2, in force from 26 Feb 2026)