LTV · monthly repayment
▼ 0.50% · 3.625%
HK$28,826
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,722
−HK$911/mo
Today · 4.125%
HK$30,633
baseline
▲ 0.50% · 4.625%
HK$32,497
+HK$1,864/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$61,266/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$474,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,068
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,929
−HK$872/mo
Today · 4.125%
HK$33,801
baseline
▲ 0.50% · 4.625%
HK$35,583
+HK$1,782/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$67,602/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$474,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,591
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,667
−HK$1,093/mo
Today · 4.125%
HK$36,760
baseline
▲ 0.50% · 4.625%
HK$38,997
+HK$2,237/mo
Deposit HK$5.06M · loan HK$7.58M · min. income ≈ HK$73,520/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,482
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,514
−HK$1,047/mo
Today · 4.125%
HK$40,561
baseline
▲ 0.50% · 4.625%
HK$42,699
+HK$2,138/mo
Deposit HK$5.06M · loan HK$7.58M · min. income ≈ HK$81,122/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,356
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,611
−HK$1,276/mo
Today · 4.125%
HK$42,887
baseline
▲ 0.50% · 4.625%
HK$45,496
+HK$2,609/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$85,774/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,896
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,100
−HK$1,221/mo
Today · 4.125%
HK$47,321
baseline
▲ 0.50% · 4.625%
HK$49,816
+HK$2,495/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$94,642/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,886
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$53,500
−HK$1,640/mo
Today · 4.125%
HK$55,140
baseline
▲ 0.50% · 4.625%
HK$58,495
+HK$3,355/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$110,280/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,723
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$59,271
−HK$1,571/mo
Today · 4.125%
HK$60,842
baseline
▲ 0.50% · 4.625%
HK$64,049
+HK$3,207/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$121,684/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,056 · Scale 2, in force from 26 Feb 2026)