LTV · monthly repayment
▼ 0.50% · 3.625%
HK$29,803
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,730
−HK$942/mo
Today · 4.125%
HK$31,672
baseline
▲ 0.50% · 4.625%
HK$33,599
+HK$1,927/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,344/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,155
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,044
−HK$902/mo
Today · 4.125%
HK$34,946
baseline
▲ 0.50% · 4.625%
HK$36,789
+HK$1,843/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,892/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,763
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,876
−HK$1,130/mo
Today · 4.125%
HK$38,006
baseline
▲ 0.50% · 4.625%
HK$40,318
+HK$2,312/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$76,012/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,786
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,853
−HK$1,083/mo
Today · 4.125%
HK$41,936
baseline
▲ 0.50% · 4.625%
HK$44,146
+HK$2,210/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$83,872/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,724
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$43,022
−HK$1,318/mo
Today · 4.125%
HK$44,340
baseline
▲ 0.50% · 4.625%
HK$47,038
+HK$2,698/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$88,680/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,417
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,662
−HK$1,263/mo
Today · 4.125%
HK$48,925
baseline
▲ 0.50% · 4.625%
HK$51,504
+HK$2,579/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$97,850/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,645
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$55,314
−HK$1,695/mo
Today · 4.125%
HK$57,009
baseline
▲ 0.50% · 4.625%
HK$60,478
+HK$3,469/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$114,018/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,679
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$61,280
−HK$1,624/mo
Today · 4.125%
HK$62,904
baseline
▲ 0.50% · 4.625%
HK$66,219
+HK$3,315/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$125,808/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,121 · Scale 2, in force from 26 Feb 2026)