LTV · monthly repayment
▼ 0.50% · 3.625%
HK$29,583
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,503
−HK$935/mo
Today · 4.125%
HK$31,438
baseline
▲ 0.50% · 4.625%
HK$33,350
+HK$1,912/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,876/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,910
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,793
−HK$895/mo
Today · 4.125%
HK$34,688
baseline
▲ 0.50% · 4.625%
HK$36,517
+HK$1,829/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,376/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,499
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,603
−HK$1,122/mo
Today · 4.125%
HK$37,725
baseline
▲ 0.50% · 4.625%
HK$40,021
+HK$2,296/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$75,450/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,492
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,551
−HK$1,075/mo
Today · 4.125%
HK$41,626
baseline
▲ 0.50% · 4.625%
HK$43,820
+HK$2,194/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$83,252/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,416
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,704
−HK$1,309/mo
Today · 4.125%
HK$44,013
baseline
▲ 0.50% · 4.625%
HK$46,691
+HK$2,678/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$88,026/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,074
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$47,310
−HK$1,254/mo
Today · 4.125%
HK$48,564
baseline
▲ 0.50% · 4.625%
HK$51,123
+HK$2,559/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$97,128/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,249
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$54,905
−HK$1,683/mo
Today · 4.125%
HK$56,588
baseline
▲ 0.50% · 4.625%
HK$60,031
+HK$3,443/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$113,176/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,238
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$60,827
−HK$1,612/mo
Today · 4.125%
HK$62,439
baseline
▲ 0.50% · 4.625%
HK$65,730
+HK$3,291/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$124,878/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,500 · Scale 2, in force from 26 Feb 2026)