LTV · monthly repayment
▼ 0.50% · 3.625%
HK$50,000
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$51,555
−HK$1,581/mo
Today · 4.125%
HK$53,136
baseline
▲ 0.50% · 4.625%
HK$56,369
+HK$3,233/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$106,272/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$931,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,625
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$57,116
−HK$1,514/mo
Today · 4.125%
HK$58,630
baseline
▲ 0.50% · 4.625%
HK$61,720
+HK$3,090/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$117,260/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$931,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,000
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$61,866
−HK$1,897/mo
Today · 4.125%
HK$63,763
baseline
▲ 0.50% · 4.625%
HK$67,642
+HK$3,879/mo
Deposit HK$8.77M · loan HK$13.16M · min. income ≈ HK$127,526/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,750
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$68,540
−HK$1,816/mo
Today · 4.125%
HK$70,356
baseline
▲ 0.50% · 4.625%
HK$74,064
+HK$3,708/mo
Deposit HK$8.77M · loan HK$13.16M · min. income ≈ HK$140,712/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,000
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$72,178
−HK$2,212/mo
Today · 4.125%
HK$74,390
baseline
▲ 0.50% · 4.625%
HK$78,916
+HK$4,526/mo
Deposit HK$6.58M · loan HK$15.35M · min. income ≈ HK$148,780/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,874
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$79,963
−HK$2,119/mo
Today · 4.125%
HK$82,082
baseline
▲ 0.50% · 4.625%
HK$86,408
+HK$4,326/mo
Deposit HK$6.58M · loan HK$15.35M · min. income ≈ HK$164,164/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,000
−HK$5,644/mo
▼ 0.25% · 3.875%
HK$92,800
−HK$2,844/mo
Today · 4.125%
HK$95,644
baseline
▲ 0.50% · 4.625%
HK$101,464
+HK$5,820/mo
Deposit HK$2.19M · loan HK$19.73M · min. income ≈ HK$191,288/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,124
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$102,810
−HK$2,724/mo
Today · 4.125%
HK$105,534
baseline
▲ 0.50% · 4.625%
HK$111,097
+HK$5,563/mo
Deposit HK$2.19M · loan HK$19.73M · min. income ≈ HK$211,068/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,916 · Scale 2, in force from 26 Feb 2026)