LTV · monthly repayment
▼ 0.50% · 3.625%
HK$29,818
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,745
−HK$942/mo
Today · 4.125%
HK$31,687
baseline
▲ 0.50% · 4.625%
HK$33,616
+HK$1,929/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$490,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,172
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,061
−HK$903/mo
Today · 4.125%
HK$34,964
baseline
▲ 0.50% · 4.625%
HK$36,807
+HK$1,843/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,928/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,781
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,894
−HK$1,131/mo
Today · 4.125%
HK$38,025
baseline
▲ 0.50% · 4.625%
HK$40,339
+HK$2,314/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$76,050/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,806
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,874
−HK$1,083/mo
Today · 4.125%
HK$41,957
baseline
▲ 0.50% · 4.625%
HK$44,168
+HK$2,211/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$83,914/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,745
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,043
−HK$1,319/mo
Today · 4.125%
HK$44,362
baseline
▲ 0.50% · 4.625%
HK$47,062
+HK$2,700/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$490,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,441
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,686
−HK$1,264/mo
Today · 4.125%
HK$48,950
baseline
▲ 0.50% · 4.625%
HK$51,530
+HK$2,580/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$97,900/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,672
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$55,341
−HK$1,696/mo
Today · 4.125%
HK$57,037
baseline
▲ 0.50% · 4.625%
HK$60,508
+HK$3,471/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$490,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,709
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$61,311
−HK$1,624/mo
Today · 4.125%
HK$62,935
baseline
▲ 0.50% · 4.625%
HK$66,253
+HK$3,318/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$125,870/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,367 · Scale 2, in force from 26 Feb 2026)