LTV · monthly repayment
▼ 0.50% · 3.625%
HK$29,810
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,738
−HK$942/mo
Today · 4.125%
HK$31,680
baseline
▲ 0.50% · 4.625%
HK$33,607
+HK$1,927/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,360/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,164
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,053
−HK$902/mo
Today · 4.125%
HK$34,955
baseline
▲ 0.50% · 4.625%
HK$36,798
+HK$1,843/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,910/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,772
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,885
−HK$1,131/mo
Today · 4.125%
HK$38,016
baseline
▲ 0.50% · 4.625%
HK$40,329
+HK$2,313/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$76,032/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,796
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,864
−HK$1,082/mo
Today · 4.125%
HK$41,946
baseline
▲ 0.50% · 4.625%
HK$44,158
+HK$2,212/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$83,892/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,734
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$43,033
−HK$1,319/mo
Today · 4.125%
HK$44,352
baseline
▲ 0.50% · 4.625%
HK$47,050
+HK$2,698/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$88,704/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,429
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,674
−HK$1,264/mo
Today · 4.125%
HK$48,938
baseline
▲ 0.50% · 4.625%
HK$51,517
+HK$2,579/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$97,876/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,659
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$55,328
−HK$1,695/mo
Today · 4.125%
HK$57,023
baseline
▲ 0.50% · 4.625%
HK$60,493
+HK$3,470/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$114,046/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,695
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$61,296
−HK$1,624/mo
Today · 4.125%
HK$62,920
baseline
▲ 0.50% · 4.625%
HK$66,236
+HK$3,316/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$125,840/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,246 · Scale 2, in force from 26 Feb 2026)