LTV · monthly repayment
▼ 0.50% · 3.625%
HK$28,000
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,871
−HK$885/mo
Today · 4.125%
HK$29,756
baseline
▲ 0.50% · 4.625%
HK$31,567
+HK$1,811/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,512/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,150
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,985
−HK$848/mo
Today · 4.125%
HK$32,833
baseline
▲ 0.50% · 4.625%
HK$34,564
+HK$1,731/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,666/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,600
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,646
−HK$1,061/mo
Today · 4.125%
HK$35,707
baseline
▲ 0.50% · 4.625%
HK$37,880
+HK$2,173/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$71,414/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,380
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,383
−HK$1,017/mo
Today · 4.125%
HK$39,400
baseline
▲ 0.50% · 4.625%
HK$41,476
+HK$2,076/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$78,800/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,200
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,420
−HK$1,239/mo
Today · 4.125%
HK$41,659
baseline
▲ 0.50% · 4.625%
HK$44,193
+HK$2,534/mo
Deposit HK$3.68M · loan HK$8.60M · min. income ≈ HK$83,318/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,610
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,780
−HK$1,186/mo
Today · 4.125%
HK$45,966
baseline
▲ 0.50% · 4.625%
HK$48,389
+HK$2,423/mo
Deposit HK$3.68M · loan HK$8.60M · min. income ≈ HK$91,932/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,401
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,968
−HK$1,593/mo
Today · 4.125%
HK$53,561
baseline
▲ 0.50% · 4.625%
HK$56,820
+HK$3,259/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$107,122/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,070
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,574
−HK$1,525/mo
Today · 4.125%
HK$59,099
baseline
▲ 0.50% · 4.625%
HK$62,215
+HK$3,116/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$118,198/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,480 · Scale 2, in force from 26 Feb 2026)