LTV · monthly repayment
▼ 0.50% · 3.625%
HK$28,720
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,613
−HK$907/mo
Today · 4.125%
HK$30,520
baseline
▲ 0.50% · 4.625%
HK$32,378
+HK$1,858/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,040/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,950
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,807
−HK$869/mo
Today · 4.125%
HK$33,676
baseline
▲ 0.50% · 4.625%
HK$35,451
+HK$1,775/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,352/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,463
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,535
−HK$1,090/mo
Today · 4.125%
HK$36,625
baseline
▲ 0.50% · 4.625%
HK$38,853
+HK$2,228/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$73,250/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,340
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,368
−HK$1,044/mo
Today · 4.125%
HK$40,412
baseline
▲ 0.50% · 4.625%
HK$42,542
+HK$2,130/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$80,824/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,207
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$41,458
−HK$1,271/mo
Today · 4.125%
HK$42,729
baseline
▲ 0.50% · 4.625%
HK$45,329
+HK$2,600/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$85,458/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,730
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,930
−HK$1,217/mo
Today · 4.125%
HK$47,147
baseline
▲ 0.50% · 4.625%
HK$49,632
+HK$2,485/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$94,294/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,695
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$53,303
−HK$1,634/mo
Today · 4.125%
HK$54,937
baseline
▲ 0.50% · 4.625%
HK$58,280
+HK$3,343/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$109,874/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,510
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$59,053
−HK$1,564/mo
Today · 4.125%
HK$60,617
baseline
▲ 0.50% · 4.625%
HK$63,813
+HK$3,196/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$121,234/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,308 · Scale 2, in force from 26 Feb 2026)