LTV · monthly repayment
▼ 0.50% · 3.625%
HK$28,840
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,737
−HK$912/mo
Today · 4.125%
HK$30,649
baseline
▲ 0.50% · 4.625%
HK$32,513
+HK$1,864/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$61,298/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,084
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,945
−HK$873/mo
Today · 4.125%
HK$33,818
baseline
▲ 0.50% · 4.625%
HK$35,600
+HK$1,782/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$67,636/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,608
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,684
−HK$1,094/mo
Today · 4.125%
HK$36,778
baseline
▲ 0.50% · 4.625%
HK$39,016
+HK$2,238/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$73,556/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,501
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,534
−HK$1,047/mo
Today · 4.125%
HK$40,581
baseline
▲ 0.50% · 4.625%
HK$42,720
+HK$2,139/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$81,162/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,376
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,632
−HK$1,276/mo
Today · 4.125%
HK$42,908
baseline
▲ 0.50% · 4.625%
HK$45,519
+HK$2,611/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$85,816/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,918
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,123
−HK$1,222/mo
Today · 4.125%
HK$47,345
baseline
▲ 0.50% · 4.625%
HK$49,840
+HK$2,495/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$94,690/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,912
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$53,527
−HK$1,640/mo
Today · 4.125%
HK$55,167
baseline
▲ 0.50% · 4.625%
HK$58,524
+HK$3,357/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$110,334/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,752
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$59,300
−HK$1,572/mo
Today · 4.125%
HK$60,872
baseline
▲ 0.50% · 4.625%
HK$64,080
+HK$3,208/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$121,744/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,289 · Scale 2, in force from 26 Feb 2026)