LTV · monthly repayment
▼ 0.50% · 3.625%
HK$28,712
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,605
−HK$907/mo
Today · 4.125%
HK$30,512
baseline
▲ 0.50% · 4.625%
HK$32,369
+HK$1,857/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,024/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,942
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,798
−HK$869/mo
Today · 4.125%
HK$33,667
baseline
▲ 0.50% · 4.625%
HK$35,442
+HK$1,775/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,334/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,454
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,526
−HK$1,089/mo
Today · 4.125%
HK$36,615
baseline
▲ 0.50% · 4.625%
HK$38,843
+HK$2,228/mo
Deposit HK$5.04M · loan HK$7.55M · min. income ≈ HK$73,230/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,330
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,358
−HK$1,043/mo
Today · 4.125%
HK$40,401
baseline
▲ 0.50% · 4.625%
HK$42,530
+HK$2,129/mo
Deposit HK$5.04M · loan HK$7.55M · min. income ≈ HK$80,802/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,196
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,447
−HK$1,270/mo
Today · 4.125%
HK$42,717
baseline
▲ 0.50% · 4.625%
HK$45,316
+HK$2,599/mo
Deposit HK$3.78M · loan HK$8.81M · min. income ≈ HK$85,434/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,718
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$45,917
−HK$1,217/mo
Today · 4.125%
HK$47,134
baseline
▲ 0.50% · 4.625%
HK$49,619
+HK$2,485/mo
Deposit HK$3.78M · loan HK$8.81M · min. income ≈ HK$94,268/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,681
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$53,289
−HK$1,633/mo
Today · 4.125%
HK$54,922
baseline
▲ 0.50% · 4.625%
HK$58,264
+HK$3,342/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$109,844/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,495
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$59,037
−HK$1,564/mo
Today · 4.125%
HK$60,601
baseline
▲ 0.50% · 4.625%
HK$63,795
+HK$3,194/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$121,202/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,180 · Scale 2, in force from 26 Feb 2026)