LTV · monthly repayment
▼ 0.50% · 3.625%
HK$29,843
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,771
−HK$944/mo
Today · 4.125%
HK$31,715
baseline
▲ 0.50% · 4.625%
HK$33,644
+HK$1,929/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,430/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,200
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,091
−HK$903/mo
Today · 4.125%
HK$34,994
baseline
▲ 0.50% · 4.625%
HK$36,838
+HK$1,844/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,988/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,812
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,926
−HK$1,131/mo
Today · 4.125%
HK$38,057
baseline
▲ 0.50% · 4.625%
HK$40,373
+HK$2,316/mo
Deposit HK$5.24M · loan HK$7.85M · min. income ≈ HK$76,114/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,840
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,909
−HK$1,084/mo
Today · 4.125%
HK$41,993
baseline
▲ 0.50% · 4.625%
HK$44,206
+HK$2,213/mo
Deposit HK$5.24M · loan HK$7.85M · min. income ≈ HK$83,986/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,780
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$43,080
−HK$1,320/mo
Today · 4.125%
HK$44,400
baseline
▲ 0.50% · 4.625%
HK$47,102
+HK$2,702/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$88,800/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,480
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,727
−HK$1,264/mo
Today · 4.125%
HK$48,991
baseline
▲ 0.50% · 4.625%
HK$51,574
+HK$2,583/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$97,982/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,718
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$55,389
−HK$1,697/mo
Today · 4.125%
HK$57,086
baseline
▲ 0.50% · 4.625%
HK$60,560
+HK$3,474/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$114,172/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,760
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$61,363
−HK$1,626/mo
Today · 4.125%
HK$62,989
baseline
▲ 0.50% · 4.625%
HK$66,309
+HK$3,320/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$125,978/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,786 · Scale 2, in force from 26 Feb 2026)