LTV · monthly repayment
▼ 0.50% · 3.625%
HK$29,809
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,736
−HK$942/mo
Today · 4.125%
HK$31,678
baseline
▲ 0.50% · 4.625%
HK$33,606
+HK$1,928/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,356/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,162
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,051
−HK$903/mo
Today · 4.125%
HK$34,954
baseline
▲ 0.50% · 4.625%
HK$36,796
+HK$1,842/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,908/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,770
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,883
−HK$1,131/mo
Today · 4.125%
HK$38,014
baseline
▲ 0.50% · 4.625%
HK$40,327
+HK$2,313/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$76,028/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,794
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,862
−HK$1,082/mo
Today · 4.125%
HK$41,944
baseline
▲ 0.50% · 4.625%
HK$44,155
+HK$2,211/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$83,888/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,732
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,030
−HK$1,319/mo
Today · 4.125%
HK$44,349
baseline
▲ 0.50% · 4.625%
HK$47,048
+HK$2,699/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$88,698/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,427
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,672
−HK$1,263/mo
Today · 4.125%
HK$48,935
baseline
▲ 0.50% · 4.625%
HK$51,514
+HK$2,579/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$97,870/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,656
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$55,325
−HK$1,695/mo
Today · 4.125%
HK$57,020
baseline
▲ 0.50% · 4.625%
HK$60,490
+HK$3,470/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$114,040/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,691
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$61,292
−HK$1,624/mo
Today · 4.125%
HK$62,916
baseline
▲ 0.50% · 4.625%
HK$66,233
+HK$3,317/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$125,832/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,220 · Scale 2, in force from 26 Feb 2026)