LTV · monthly repayment
▼ 0.50% · 3.625%
HK$27,452
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,306
−HK$867/mo
Today · 4.125%
HK$29,173
baseline
▲ 0.50% · 4.625%
HK$30,948
+HK$1,775/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,346/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,540
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,359
−HK$831/mo
Today · 4.125%
HK$32,190
baseline
▲ 0.50% · 4.625%
HK$33,887
+HK$1,697/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,380/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,942
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,967
−HK$1,041/mo
Today · 4.125%
HK$35,008
baseline
▲ 0.50% · 4.625%
HK$37,138
+HK$2,130/mo
Deposit HK$4.82M · loan HK$7.22M · min. income ≈ HK$70,016/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,648
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,631
−HK$997/mo
Today · 4.125%
HK$38,628
baseline
▲ 0.50% · 4.625%
HK$40,664
+HK$2,036/mo
Deposit HK$4.82M · loan HK$7.22M · min. income ≈ HK$77,256/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,433
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,628
−HK$1,215/mo
Today · 4.125%
HK$40,843
baseline
▲ 0.50% · 4.625%
HK$43,328
+HK$2,485/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$81,686/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,756
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,902
−HK$1,164/mo
Today · 4.125%
HK$45,066
baseline
▲ 0.50% · 4.625%
HK$47,441
+HK$2,375/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$90,132/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,413
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$50,950
−HK$1,562/mo
Today · 4.125%
HK$52,512
baseline
▲ 0.50% · 4.625%
HK$55,707
+HK$3,195/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$105,024/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,972
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$56,446
−HK$1,496/mo
Today · 4.125%
HK$57,942
baseline
▲ 0.50% · 4.625%
HK$60,996
+HK$3,054/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$115,884/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,460 · Scale 2, in force from 26 Feb 2026)