LTV · monthly repayment
▼ 0.50% · 3.625%
HK$29,250
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,159
−HK$925/mo
Today · 4.125%
HK$31,084
baseline
▲ 0.50% · 4.625%
HK$32,975
+HK$1,891/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,168/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$481,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,540
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,413
−HK$885/mo
Today · 4.125%
HK$34,298
baseline
▲ 0.50% · 4.625%
HK$36,106
+HK$1,808/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,596/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$481,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,100
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,191
−HK$1,110/mo
Today · 4.125%
HK$37,301
baseline
▲ 0.50% · 4.625%
HK$39,570
+HK$2,269/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$74,602/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$481,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,048
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,095
−HK$1,063/mo
Today · 4.125%
HK$41,158
baseline
▲ 0.50% · 4.625%
HK$43,327
+HK$2,169/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$82,316/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$481,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,950
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$42,223
−HK$1,294/mo
Today · 4.125%
HK$43,517
baseline
▲ 0.50% · 4.625%
HK$46,165
+HK$2,648/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$87,034/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,556
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,778
−HK$1,239/mo
Today · 4.125%
HK$48,017
baseline
▲ 0.50% · 4.625%
HK$50,548
+HK$2,531/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$96,034/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,649
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$54,287
−HK$1,664/mo
Today · 4.125%
HK$55,951
baseline
▲ 0.50% · 4.625%
HK$59,355
+HK$3,404/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$111,902/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,572
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,143
−HK$1,593/mo
Today · 4.125%
HK$61,736
baseline
▲ 0.50% · 4.625%
HK$64,991
+HK$3,255/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$123,472/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,026 · Scale 2, in force from 26 Feb 2026)