LTV · monthly repayment
▼ 0.50% · 3.625%
HK$27,545
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,402
−HK$871/mo
Today · 4.125%
HK$29,273
baseline
▲ 0.50% · 4.625%
HK$31,054
+HK$1,781/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$58,546/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$453,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,644
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,466
−HK$834/mo
Today · 4.125%
HK$32,300
baseline
▲ 0.50% · 4.625%
HK$34,002
+HK$1,702/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$64,600/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$453,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,055
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,083
−HK$1,044/mo
Today · 4.125%
HK$35,127
baseline
▲ 0.50% · 4.625%
HK$37,265
+HK$2,138/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$70,254/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,773
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,759
−HK$1,001/mo
Today · 4.125%
HK$38,760
baseline
▲ 0.50% · 4.625%
HK$40,803
+HK$2,043/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$77,520/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,564
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$39,763
−HK$1,219/mo
Today · 4.125%
HK$40,982
baseline
▲ 0.50% · 4.625%
HK$43,476
+HK$2,494/mo
Deposit HK$3.62M · loan HK$8.46M · min. income ≈ HK$81,964/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,902
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,052
−HK$1,168/mo
Today · 4.125%
HK$45,220
baseline
▲ 0.50% · 4.625%
HK$47,603
+HK$2,383/mo
Deposit HK$3.62M · loan HK$8.46M · min. income ≈ HK$90,440/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,582
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$51,124
−HK$1,567/mo
Today · 4.125%
HK$52,691
baseline
▲ 0.50% · 4.625%
HK$55,897
+HK$3,206/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$105,382/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,159
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$56,639
−HK$1,500/mo
Today · 4.125%
HK$58,139
baseline
▲ 0.50% · 4.625%
HK$61,204
+HK$3,065/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$116,278/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,000 · Scale 2, in force from 26 Feb 2026)