LTV · monthly repayment
▼ 0.50% · 3.625%
HK$28,832
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,728
−HK$912/mo
Today · 4.125%
HK$30,640
baseline
▲ 0.50% · 4.625%
HK$32,504
+HK$1,864/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$61,280/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,075
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,935
−HK$873/mo
Today · 4.125%
HK$33,808
baseline
▲ 0.50% · 4.625%
HK$35,590
+HK$1,782/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$67,616/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,598
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,674
−HK$1,094/mo
Today · 4.125%
HK$36,768
baseline
▲ 0.50% · 4.625%
HK$39,005
+HK$2,237/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$73,536/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,490
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,522
−HK$1,047/mo
Today · 4.125%
HK$40,569
baseline
▲ 0.50% · 4.625%
HK$42,708
+HK$2,139/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$81,138/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,364
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,620
−HK$1,276/mo
Today · 4.125%
HK$42,896
baseline
▲ 0.50% · 4.625%
HK$45,506
+HK$2,610/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$85,792/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,905
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$46,109
−HK$1,222/mo
Today · 4.125%
HK$47,331
baseline
▲ 0.50% · 4.625%
HK$49,826
+HK$2,495/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$94,662/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,897
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$53,511
−HK$1,640/mo
Today · 4.125%
HK$55,151
baseline
▲ 0.50% · 4.625%
HK$58,507
+HK$3,356/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$110,302/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,735
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$59,283
−HK$1,571/mo
Today · 4.125%
HK$60,854
baseline
▲ 0.50% · 4.625%
HK$64,062
+HK$3,208/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$121,708/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,152 · Scale 2, in force from 26 Feb 2026)