LTV · monthly repayment
▼ 0.50% · 3.625%
HK$28,995
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,897
−HK$917/mo
Today · 4.125%
HK$30,814
baseline
▲ 0.50% · 4.625%
HK$32,689
+HK$1,875/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$61,628/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,257
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,122
−HK$878/mo
Today · 4.125%
HK$34,000
baseline
▲ 0.50% · 4.625%
HK$35,792
+HK$1,792/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$68,000/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,795
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,877
−HK$1,099/mo
Today · 4.125%
HK$36,976
baseline
▲ 0.50% · 4.625%
HK$39,226
+HK$2,250/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$73,952/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,709
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,747
−HK$1,053/mo
Today · 4.125%
HK$40,800
baseline
▲ 0.50% · 4.625%
HK$42,950
+HK$2,150/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$81,600/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,594
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,856
−HK$1,283/mo
Today · 4.125%
HK$43,139
baseline
▲ 0.50% · 4.625%
HK$45,764
+HK$2,625/mo
Deposit HK$3.81M · loan HK$8.90M · min. income ≈ HK$86,278/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,160
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,371
−HK$1,229/mo
Today · 4.125%
HK$47,600
baseline
▲ 0.50% · 4.625%
HK$50,109
+HK$2,509/mo
Deposit HK$3.81M · loan HK$8.90M · min. income ≈ HK$95,200/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,192
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$53,815
−HK$1,650/mo
Today · 4.125%
HK$55,465
baseline
▲ 0.50% · 4.625%
HK$58,840
+HK$3,375/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$110,930/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,063
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$59,620
−HK$1,580/mo
Today · 4.125%
HK$61,200
baseline
▲ 0.50% · 4.625%
HK$64,426
+HK$3,226/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$122,400/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,846 · Scale 2, in force from 26 Feb 2026)