LTV · monthly repayment
▼ 0.50% · 3.625%
HK$29,772
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,698
−HK$941/mo
Today · 4.125%
HK$31,639
baseline
▲ 0.50% · 4.625%
HK$33,564
+HK$1,925/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,278/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,121
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,010
−HK$901/mo
Today · 4.125%
HK$34,911
baseline
▲ 0.50% · 4.625%
HK$36,751
+HK$1,840/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,822/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,727
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,838
−HK$1,129/mo
Today · 4.125%
HK$37,967
baseline
▲ 0.50% · 4.625%
HK$40,277
+HK$2,310/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$75,934/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,746
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,811
−HK$1,082/mo
Today · 4.125%
HK$41,893
baseline
▲ 0.50% · 4.625%
HK$44,101
+HK$2,208/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$83,786/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,681
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,978
−HK$1,317/mo
Today · 4.125%
HK$44,295
baseline
▲ 0.50% · 4.625%
HK$46,990
+HK$2,695/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$88,590/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,370
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,613
−HK$1,262/mo
Today · 4.125%
HK$48,875
baseline
▲ 0.50% · 4.625%
HK$51,451
+HK$2,576/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$97,750/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,590
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$55,257
−HK$1,694/mo
Today · 4.125%
HK$56,951
baseline
▲ 0.50% · 4.625%
HK$60,416
+HK$3,465/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$113,902/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,618
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$61,217
−HK$1,622/mo
Today · 4.125%
HK$62,839
baseline
▲ 0.50% · 4.625%
HK$66,152
+HK$3,313/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$125,678/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,620 · Scale 2, in force from 26 Feb 2026)