LTV · monthly repayment
▼ 0.50% · 3.625%
HK$29,120
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,026
−HK$920/mo
Today · 4.125%
HK$30,946
baseline
▲ 0.50% · 4.625%
HK$32,829
+HK$1,883/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,892/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,396
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,265
−HK$881/mo
Today · 4.125%
HK$34,146
baseline
▲ 0.50% · 4.625%
HK$35,946
+HK$1,800/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,292/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,944
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,031
−HK$1,105/mo
Today · 4.125%
HK$37,136
baseline
▲ 0.50% · 4.625%
HK$39,395
+HK$2,259/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$74,272/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$478,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,875
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,918
−HK$1,058/mo
Today · 4.125%
HK$40,976
baseline
▲ 0.50% · 4.625%
HK$43,136
+HK$2,160/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$81,952/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$478,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,769
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,037
−HK$1,288/mo
Today · 4.125%
HK$43,325
baseline
▲ 0.50% · 4.625%
HK$45,961
+HK$2,636/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$86,650/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,355
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,571
−HK$1,234/mo
Today · 4.125%
HK$47,805
baseline
▲ 0.50% · 4.625%
HK$50,325
+HK$2,520/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$95,610/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,417
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$54,047
−HK$1,657/mo
Today · 4.125%
HK$55,704
baseline
▲ 0.50% · 4.625%
HK$59,093
+HK$3,389/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$111,408/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,313
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$59,877
−HK$1,586/mo
Today · 4.125%
HK$61,463
baseline
▲ 0.50% · 4.625%
HK$64,703
+HK$3,240/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$122,926/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,900 · Scale 2, in force from 26 Feb 2026)