LTV · monthly repayment
▼ 0.50% · 3.625%
HK$29,847
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,775
−HK$943/mo
Today · 4.125%
HK$31,718
baseline
▲ 0.50% · 4.625%
HK$33,648
+HK$1,930/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,436/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$490,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,204
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,095
−HK$903/mo
Today · 4.125%
HK$34,998
baseline
▲ 0.50% · 4.625%
HK$36,843
+HK$1,845/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,996/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$490,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,816
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,930
−HK$1,132/mo
Today · 4.125%
HK$38,062
baseline
▲ 0.50% · 4.625%
HK$40,378
+HK$2,316/mo
Deposit HK$5.24M · loan HK$7.85M · min. income ≈ HK$76,124/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,845
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,914
−HK$1,084/mo
Today · 4.125%
HK$41,998
baseline
▲ 0.50% · 4.625%
HK$44,212
+HK$2,214/mo
Deposit HK$5.24M · loan HK$7.85M · min. income ≈ HK$83,996/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,785
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,085
−HK$1,321/mo
Today · 4.125%
HK$44,406
baseline
▲ 0.50% · 4.625%
HK$47,108
+HK$2,702/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$88,812/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,486
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,733
−HK$1,264/mo
Today · 4.125%
HK$48,997
baseline
▲ 0.50% · 4.625%
HK$51,580
+HK$2,583/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$97,994/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,724
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$55,395
−HK$1,698/mo
Today · 4.125%
HK$57,093
baseline
▲ 0.50% · 4.625%
HK$60,567
+HK$3,474/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$114,186/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,768
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$61,371
−HK$1,626/mo
Today · 4.125%
HK$62,997
baseline
▲ 0.50% · 4.625%
HK$66,317
+HK$3,320/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$125,994/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,846 · Scale 2, in force from 26 Feb 2026)