LTV · monthly repayment
▼ 0.50% · 3.625%
HK$29,614
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,535
−HK$936/mo
Today · 4.125%
HK$31,471
baseline
▲ 0.50% · 4.625%
HK$33,386
+HK$1,915/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,942/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$487,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,945
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,829
−HK$896/mo
Today · 4.125%
HK$34,725
baseline
▲ 0.50% · 4.625%
HK$36,555
+HK$1,830/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,450/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$487,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,537
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,642
−HK$1,123/mo
Today · 4.125%
HK$37,765
baseline
▲ 0.50% · 4.625%
HK$40,063
+HK$2,298/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$75,530/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$487,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,534
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,594
−HK$1,076/mo
Today · 4.125%
HK$41,670
baseline
▲ 0.50% · 4.625%
HK$43,866
+HK$2,196/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$83,340/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$487,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,459
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,749
−HK$1,310/mo
Today · 4.125%
HK$44,059
baseline
▲ 0.50% · 4.625%
HK$46,740
+HK$2,681/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$88,118/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$487,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,123
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,360
−HK$1,255/mo
Today · 4.125%
HK$48,615
baseline
▲ 0.50% · 4.625%
HK$51,177
+HK$2,562/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$97,230/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$487,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,305
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,963
−HK$1,684/mo
Today · 4.125%
HK$56,647
baseline
▲ 0.50% · 4.625%
HK$60,094
+HK$3,447/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$113,294/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,301
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$60,891
−HK$1,614/mo
Today · 4.125%
HK$62,505
baseline
▲ 0.50% · 4.625%
HK$65,800
+HK$3,295/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$125,010/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,014 · Scale 2, in force from 26 Feb 2026)