LTV · monthly repayment
▼ 0.50% · 3.625%
HK$29,822
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,750
−HK$943/mo
Today · 4.125%
HK$31,693
baseline
▲ 0.50% · 4.625%
HK$33,621
+HK$1,928/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,386/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,177
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,067
−HK$903/mo
Today · 4.125%
HK$34,970
baseline
▲ 0.50% · 4.625%
HK$36,813
+HK$1,843/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,940/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,787
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,900
−HK$1,131/mo
Today · 4.125%
HK$38,031
baseline
▲ 0.50% · 4.625%
HK$40,345
+HK$2,314/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$76,062/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,813
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,880
−HK$1,084/mo
Today · 4.125%
HK$41,964
baseline
▲ 0.50% · 4.625%
HK$44,176
+HK$2,212/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$83,928/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,751
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,050
−HK$1,320/mo
Today · 4.125%
HK$44,370
baseline
▲ 0.50% · 4.625%
HK$47,069
+HK$2,699/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$88,740/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,448
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,694
−HK$1,263/mo
Today · 4.125%
HK$48,957
baseline
▲ 0.50% · 4.625%
HK$51,538
+HK$2,581/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$97,914/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,680
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$55,350
−HK$1,697/mo
Today · 4.125%
HK$57,047
baseline
▲ 0.50% · 4.625%
HK$60,518
+HK$3,471/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$114,094/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,719
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$61,321
−HK$1,624/mo
Today · 4.125%
HK$62,945
baseline
▲ 0.50% · 4.625%
HK$66,263
+HK$3,318/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$125,890/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,446 · Scale 2, in force from 26 Feb 2026)