LTV · monthly repayment
▼ 0.50% · 3.625%
HK$29,826
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,753
−HK$943/mo
Today · 4.125%
HK$31,696
baseline
▲ 0.50% · 4.625%
HK$33,625
+HK$1,929/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,392/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,181
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,071
−HK$902/mo
Today · 4.125%
HK$34,973
baseline
▲ 0.50% · 4.625%
HK$36,817
+HK$1,844/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,946/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,791
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,904
−HK$1,131/mo
Today · 4.125%
HK$38,035
baseline
▲ 0.50% · 4.625%
HK$40,350
+HK$2,315/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$76,070/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,817
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,885
−HK$1,083/mo
Today · 4.125%
HK$41,968
baseline
▲ 0.50% · 4.625%
HK$44,180
+HK$2,212/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$83,936/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,756
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$43,055
−HK$1,319/mo
Today · 4.125%
HK$44,374
baseline
▲ 0.50% · 4.625%
HK$47,074
+HK$2,700/mo
Deposit HK$3.92M · loan HK$9.16M · min. income ≈ HK$88,748/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,453
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,699
−HK$1,264/mo
Today · 4.125%
HK$48,963
baseline
▲ 0.50% · 4.625%
HK$51,544
+HK$2,581/mo
Deposit HK$3.92M · loan HK$9.16M · min. income ≈ HK$97,926/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,686
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$55,356
−HK$1,697/mo
Today · 4.125%
HK$57,053
baseline
▲ 0.50% · 4.625%
HK$60,524
+HK$3,471/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$114,106/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,725
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$61,327
−HK$1,625/mo
Today · 4.125%
HK$62,952
baseline
▲ 0.50% · 4.625%
HK$66,270
+HK$3,318/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$125,904/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,499 · Scale 2, in force from 26 Feb 2026)