LTV · monthly repayment
▼ 0.50% · 3.625%
HK$28,700
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,593
−HK$907/mo
Today · 4.125%
HK$30,500
baseline
▲ 0.50% · 4.625%
HK$32,356
+HK$1,856/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$61,000/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$471,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,929
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,785
−HK$869/mo
Today · 4.125%
HK$33,654
baseline
▲ 0.50% · 4.625%
HK$35,428
+HK$1,774/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$67,308/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$471,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,440
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,512
−HK$1,088/mo
Today · 4.125%
HK$36,600
baseline
▲ 0.50% · 4.625%
HK$38,827
+HK$2,227/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$73,200/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$471,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,315
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,342
−HK$1,043/mo
Today · 4.125%
HK$40,385
baseline
▲ 0.50% · 4.625%
HK$42,513
+HK$2,128/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$80,770/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$471,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,181
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$41,430
−HK$1,270/mo
Today · 4.125%
HK$42,700
baseline
▲ 0.50% · 4.625%
HK$45,298
+HK$2,598/mo
Deposit HK$3.78M · loan HK$8.81M · min. income ≈ HK$85,400/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$471,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,700
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$45,899
−HK$1,216/mo
Today · 4.125%
HK$47,115
baseline
▲ 0.50% · 4.625%
HK$49,599
+HK$2,484/mo
Deposit HK$3.78M · loan HK$8.81M · min. income ≈ HK$94,230/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$471,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,661
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$53,268
−HK$1,632/mo
Today · 4.125%
HK$54,900
baseline
▲ 0.50% · 4.625%
HK$58,241
+HK$3,341/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$109,800/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,472
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$59,013
−HK$1,564/mo
Today · 4.125%
HK$60,577
baseline
▲ 0.50% · 4.625%
HK$63,770
+HK$3,193/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$121,154/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,993 · Scale 2, in force from 26 Feb 2026)