LTV · monthly repayment
▼ 0.50% · 3.625%
HK$28,860
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,758
−HK$912/mo
Today · 4.125%
HK$30,670
baseline
▲ 0.50% · 4.625%
HK$32,536
+HK$1,866/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,340/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,106
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,967
−HK$874/mo
Today · 4.125%
HK$33,841
baseline
▲ 0.50% · 4.625%
HK$35,625
+HK$1,784/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,682/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,632
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,709
−HK$1,094/mo
Today · 4.125%
HK$36,803
baseline
▲ 0.50% · 4.625%
HK$39,043
+HK$2,240/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$73,606/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,527
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,561
−HK$1,048/mo
Today · 4.125%
HK$40,609
baseline
▲ 0.50% · 4.625%
HK$42,750
+HK$2,141/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$81,218/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,404
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$41,661
−HK$1,276/mo
Today · 4.125%
HK$42,937
baseline
▲ 0.50% · 4.625%
HK$45,550
+HK$2,613/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$85,874/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,949
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,154
−HK$1,223/mo
Today · 4.125%
HK$47,377
baseline
▲ 0.50% · 4.625%
HK$49,875
+HK$2,498/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$94,754/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,948
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$53,564
−HK$1,641/mo
Today · 4.125%
HK$55,205
baseline
▲ 0.50% · 4.625%
HK$58,564
+HK$3,359/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$110,410/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,791
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,341
−HK$1,573/mo
Today · 4.125%
HK$60,914
baseline
▲ 0.50% · 4.625%
HK$64,124
+HK$3,210/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$121,828/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,615 · Scale 2, in force from 26 Feb 2026)