LTV · monthly repayment
▼ 0.50% · 3.625%
HK$28,800
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,696
−HK$910/mo
Today · 4.125%
HK$30,606
baseline
▲ 0.50% · 4.625%
HK$32,468
+HK$1,862/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$61,212/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,040
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,899
−HK$872/mo
Today · 4.125%
HK$33,771
baseline
▲ 0.50% · 4.625%
HK$35,551
+HK$1,780/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$67,542/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,560
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,635
−HK$1,092/mo
Today · 4.125%
HK$36,727
baseline
▲ 0.50% · 4.625%
HK$38,962
+HK$2,235/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$73,454/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$473,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,448
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,479
−HK$1,046/mo
Today · 4.125%
HK$40,525
baseline
▲ 0.50% · 4.625%
HK$42,661
+HK$2,136/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$81,050/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$473,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,320
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$41,574
−HK$1,275/mo
Today · 4.125%
HK$42,849
baseline
▲ 0.50% · 4.625%
HK$45,456
+HK$2,607/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$85,698/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,856
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,059
−HK$1,220/mo
Today · 4.125%
HK$47,279
baseline
▲ 0.50% · 4.625%
HK$49,771
+HK$2,492/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$94,558/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,840
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$53,453
−HK$1,638/mo
Today · 4.125%
HK$55,091
baseline
▲ 0.50% · 4.625%
HK$58,443
+HK$3,352/mo
Deposit HK$1.26M · loan HK$11.37M · min. income ≈ HK$110,182/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,672
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$59,218
−HK$1,569/mo
Today · 4.125%
HK$60,787
baseline
▲ 0.50% · 4.625%
HK$63,992
+HK$3,205/mo
Deposit HK$1.26M · loan HK$11.37M · min. income ≈ HK$121,574/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,633 · Scale 2, in force from 26 Feb 2026)