LTV · monthly repayment
▼ 0.50% · 3.625%
HK$29,815
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,742
−HK$942/mo
Today · 4.125%
HK$31,684
baseline
▲ 0.50% · 4.625%
HK$33,612
+HK$1,928/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,368/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,169
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,058
−HK$903/mo
Today · 4.125%
HK$34,961
baseline
▲ 0.50% · 4.625%
HK$36,803
+HK$1,842/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,922/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,778
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,891
−HK$1,130/mo
Today · 4.125%
HK$38,021
baseline
▲ 0.50% · 4.625%
HK$40,335
+HK$2,314/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$76,042/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,802
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,870
−HK$1,083/mo
Today · 4.125%
HK$41,953
baseline
▲ 0.50% · 4.625%
HK$44,164
+HK$2,211/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$83,906/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,741
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,039
−HK$1,319/mo
Today · 4.125%
HK$44,358
baseline
▲ 0.50% · 4.625%
HK$47,057
+HK$2,699/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$88,716/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,436
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,681
−HK$1,264/mo
Today · 4.125%
HK$48,945
baseline
▲ 0.50% · 4.625%
HK$51,525
+HK$2,580/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$97,890/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,666
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$55,336
−HK$1,696/mo
Today · 4.125%
HK$57,032
baseline
▲ 0.50% · 4.625%
HK$60,502
+HK$3,470/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$114,064/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,703
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$61,305
−HK$1,624/mo
Today · 4.125%
HK$62,929
baseline
▲ 0.50% · 4.625%
HK$66,246
+HK$3,317/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$125,858/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,319 · Scale 2, in force from 26 Feb 2026)