LTV · monthly repayment
▼ 0.50% · 3.625%
HK$28,859
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,757
−HK$912/mo
Today · 4.125%
HK$30,669
baseline
▲ 0.50% · 4.625%
HK$32,535
+HK$1,866/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,338/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,105
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,966
−HK$874/mo
Today · 4.125%
HK$33,840
baseline
▲ 0.50% · 4.625%
HK$35,624
+HK$1,784/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,680/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,631
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,708
−HK$1,094/mo
Today · 4.125%
HK$36,802
baseline
▲ 0.50% · 4.625%
HK$39,042
+HK$2,240/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$73,604/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,526
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,560
−HK$1,048/mo
Today · 4.125%
HK$40,608
baseline
▲ 0.50% · 4.625%
HK$42,748
+HK$2,140/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$81,216/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,402
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$41,659
−HK$1,277/mo
Today · 4.125%
HK$42,936
baseline
▲ 0.50% · 4.625%
HK$45,549
+HK$2,613/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$85,872/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,947
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,153
−HK$1,223/mo
Today · 4.125%
HK$47,376
baseline
▲ 0.50% · 4.625%
HK$49,873
+HK$2,497/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$94,752/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,946
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$53,562
−HK$1,641/mo
Today · 4.125%
HK$55,203
baseline
▲ 0.50% · 4.625%
HK$58,562
+HK$3,359/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$110,406/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,789
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,339
−HK$1,573/mo
Today · 4.125%
HK$60,912
baseline
▲ 0.50% · 4.625%
HK$64,122
+HK$3,210/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$121,824/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,600 · Scale 2, in force from 26 Feb 2026)