LTV · monthly repayment
▼ 0.50% · 3.625%
HK$29,060
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,963
−HK$919/mo
Today · 4.125%
HK$30,882
baseline
▲ 0.50% · 4.625%
HK$32,761
+HK$1,879/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,764/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,328
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,196
−HK$879/mo
Today · 4.125%
HK$34,075
baseline
▲ 0.50% · 4.625%
HK$35,871
+HK$1,796/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,150/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,871
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,956
−HK$1,102/mo
Today · 4.125%
HK$37,058
baseline
▲ 0.50% · 4.625%
HK$39,313
+HK$2,255/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$74,116/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$477,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,794
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,835
−HK$1,055/mo
Today · 4.125%
HK$40,890
baseline
▲ 0.50% · 4.625%
HK$43,045
+HK$2,155/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$81,780/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$477,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,683
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,949
−HK$1,286/mo
Today · 4.125%
HK$43,235
baseline
▲ 0.50% · 4.625%
HK$45,865
+HK$2,630/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$86,470/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,260
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$46,474
−HK$1,231/mo
Today · 4.125%
HK$47,705
baseline
▲ 0.50% · 4.625%
HK$50,220
+HK$2,515/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$95,410/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,307
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$53,934
−HK$1,653/mo
Today · 4.125%
HK$55,587
baseline
▲ 0.50% · 4.625%
HK$58,970
+HK$3,383/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$111,174/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,191
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$59,752
−HK$1,583/mo
Today · 4.125%
HK$61,335
baseline
▲ 0.50% · 4.625%
HK$64,568
+HK$3,233/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$122,670/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,900 · Scale 2, in force from 26 Feb 2026)