LTV · monthly repayment
▼ 0.50% · 3.625%
HK$29,817
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,745
−HK$942/mo
Today · 4.125%
HK$31,687
baseline
▲ 0.50% · 4.625%
HK$33,615
+HK$1,928/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,374/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,171
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,061
−HK$902/mo
Today · 4.125%
HK$34,963
baseline
▲ 0.50% · 4.625%
HK$36,806
+HK$1,843/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,926/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,781
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,894
−HK$1,130/mo
Today · 4.125%
HK$38,024
baseline
▲ 0.50% · 4.625%
HK$40,338
+HK$2,314/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$76,048/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,806
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,873
−HK$1,083/mo
Today · 4.125%
HK$41,956
baseline
▲ 0.50% · 4.625%
HK$44,168
+HK$2,212/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$83,912/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,744
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$43,043
−HK$1,319/mo
Today · 4.125%
HK$44,362
baseline
▲ 0.50% · 4.625%
HK$47,061
+HK$2,699/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$88,724/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,440
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,685
−HK$1,264/mo
Today · 4.125%
HK$48,949
baseline
▲ 0.50% · 4.625%
HK$51,529
+HK$2,580/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$97,898/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,671
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$55,340
−HK$1,697/mo
Today · 4.125%
HK$57,037
baseline
▲ 0.50% · 4.625%
HK$60,507
+HK$3,470/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$114,074/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,708
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$61,310
−HK$1,624/mo
Today · 4.125%
HK$62,934
baseline
▲ 0.50% · 4.625%
HK$66,252
+HK$3,318/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$125,868/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,359 · Scale 2, in force from 26 Feb 2026)