LTV · monthly repayment
▼ 0.50% · 3.625%
HK$29,554
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,473
−HK$934/mo
Today · 4.125%
HK$31,407
baseline
▲ 0.50% · 4.625%
HK$33,318
+HK$1,911/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,814/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,878
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,760
−HK$894/mo
Today · 4.125%
HK$34,654
baseline
▲ 0.50% · 4.625%
HK$36,481
+HK$1,827/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,308/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,464
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,568
−HK$1,120/mo
Today · 4.125%
HK$37,688
baseline
▲ 0.50% · 4.625%
HK$39,982
+HK$2,294/mo
Deposit HK$5.18M · loan HK$7.78M · min. income ≈ HK$75,376/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,454
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,512
−HK$1,073/mo
Today · 4.125%
HK$41,585
baseline
▲ 0.50% · 4.625%
HK$43,777
+HK$2,192/mo
Deposit HK$5.18M · loan HK$7.78M · min. income ≈ HK$83,170/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,375
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,662
−HK$1,308/mo
Today · 4.125%
HK$43,970
baseline
▲ 0.50% · 4.625%
HK$46,645
+HK$2,675/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$87,940/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$486,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,029
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,264
−HK$1,252/mo
Today · 4.125%
HK$48,516
baseline
▲ 0.50% · 4.625%
HK$51,074
+HK$2,558/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$97,032/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$486,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,197
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$54,851
−HK$1,681/mo
Today · 4.125%
HK$56,532
baseline
▲ 0.50% · 4.625%
HK$59,972
+HK$3,440/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$113,064/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,181
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,768
−HK$1,610/mo
Today · 4.125%
HK$62,378
baseline
▲ 0.50% · 4.625%
HK$65,666
+HK$3,288/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$124,756/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,026 · Scale 2, in force from 26 Feb 2026)