LTV · monthly repayment
▼ 0.50% · 3.625%
HK$28,086
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,960
−HK$887/mo
Today · 4.125%
HK$29,847
baseline
▲ 0.50% · 4.625%
HK$31,664
+HK$1,817/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,694/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,246
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,084
−HK$850/mo
Today · 4.125%
HK$32,934
baseline
▲ 0.50% · 4.625%
HK$34,670
+HK$1,736/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,868/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,703
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,752
−HK$1,065/mo
Today · 4.125%
HK$35,817
baseline
▲ 0.50% · 4.625%
HK$37,996
+HK$2,179/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$71,634/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,495
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,500
−HK$1,020/mo
Today · 4.125%
HK$39,520
baseline
▲ 0.50% · 4.625%
HK$41,604
+HK$2,084/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$79,040/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,321
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,544
−HK$1,242/mo
Today · 4.125%
HK$41,786
baseline
▲ 0.50% · 4.625%
HK$44,329
+HK$2,543/mo
Deposit HK$3.70M · loan HK$8.62M · min. income ≈ HK$83,572/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,744
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,917
−HK$1,190/mo
Today · 4.125%
HK$46,107
baseline
▲ 0.50% · 4.625%
HK$48,538
+HK$2,431/mo
Deposit HK$3.70M · loan HK$8.62M · min. income ≈ HK$92,214/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,555
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$52,128
−HK$1,597/mo
Today · 4.125%
HK$53,725
baseline
▲ 0.50% · 4.625%
HK$56,994
+HK$3,269/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$107,450/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,242
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,750
−HK$1,531/mo
Today · 4.125%
HK$59,281
baseline
▲ 0.50% · 4.625%
HK$62,405
+HK$3,124/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$118,562/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,892 · Scale 2, in force from 26 Feb 2026)