LTV · monthly repayment
▼ 0.50% · 3.625%
HK$28,630
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,521
−HK$904/mo
Today · 4.125%
HK$30,425
baseline
▲ 0.50% · 4.625%
HK$32,277
+HK$1,852/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,850/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,851
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,705
−HK$866/mo
Today · 4.125%
HK$33,571
baseline
▲ 0.50% · 4.625%
HK$35,341
+HK$1,770/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,142/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,356
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,425
−HK$1,085/mo
Today · 4.125%
HK$36,510
baseline
▲ 0.50% · 4.625%
HK$38,732
+HK$2,222/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$73,020/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,221
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,246
−HK$1,040/mo
Today · 4.125%
HK$40,286
baseline
▲ 0.50% · 4.625%
HK$42,409
+HK$2,123/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$80,572/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,082
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$41,329
−HK$1,267/mo
Today · 4.125%
HK$42,596
baseline
▲ 0.50% · 4.625%
HK$45,187
+HK$2,591/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$85,192/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,591
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,787
−HK$1,213/mo
Today · 4.125%
HK$47,000
baseline
▲ 0.50% · 4.625%
HK$49,477
+HK$2,477/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$94,000/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,534
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$53,137
−HK$1,629/mo
Today · 4.125%
HK$54,766
baseline
▲ 0.50% · 4.625%
HK$58,098
+HK$3,332/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$109,532/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,331
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$58,869
−HK$1,560/mo
Today · 4.125%
HK$60,429
baseline
▲ 0.50% · 4.625%
HK$63,614
+HK$3,185/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$120,858/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,836 · Scale 2, in force from 26 Feb 2026)