LTV · monthly repayment
▼ 0.50% · 3.625%
HK$28,857
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,755
−HK$912/mo
Today · 4.125%
HK$30,667
baseline
▲ 0.50% · 4.625%
HK$32,533
+HK$1,866/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,334/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,103
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,964
−HK$874/mo
Today · 4.125%
HK$33,838
baseline
▲ 0.50% · 4.625%
HK$35,621
+HK$1,783/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,676/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,629
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,706
−HK$1,094/mo
Today · 4.125%
HK$36,800
baseline
▲ 0.50% · 4.625%
HK$39,039
+HK$2,239/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$73,600/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,524
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,557
−HK$1,048/mo
Today · 4.125%
HK$40,605
baseline
▲ 0.50% · 4.625%
HK$42,746
+HK$2,141/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$81,210/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,400
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$41,657
−HK$1,276/mo
Today · 4.125%
HK$42,933
baseline
▲ 0.50% · 4.625%
HK$45,546
+HK$2,613/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$85,866/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,945
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,150
−HK$1,223/mo
Today · 4.125%
HK$47,373
baseline
▲ 0.50% · 4.625%
HK$49,870
+HK$2,497/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$94,746/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,943
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$53,559
−HK$1,641/mo
Today · 4.125%
HK$55,200
baseline
▲ 0.50% · 4.625%
HK$58,559
+HK$3,359/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$110,400/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,786
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$59,336
−HK$1,572/mo
Today · 4.125%
HK$60,908
baseline
▲ 0.50% · 4.625%
HK$64,118
+HK$3,210/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$121,816/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,571 · Scale 2, in force from 26 Feb 2026)