LTV · monthly repayment
▼ 0.50% · 3.625%
HK$29,848
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,776
−HK$944/mo
Today · 4.125%
HK$31,720
baseline
▲ 0.50% · 4.625%
HK$33,650
+HK$1,930/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,440/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$490,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,206
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,096
−HK$904/mo
Today · 4.125%
HK$35,000
baseline
▲ 0.50% · 4.625%
HK$36,844
+HK$1,844/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$70,000/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$490,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,818
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,932
−HK$1,132/mo
Today · 4.125%
HK$38,064
baseline
▲ 0.50% · 4.625%
HK$40,380
+HK$2,316/mo
Deposit HK$5.24M · loan HK$7.85M · min. income ≈ HK$76,128/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,847
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,915
−HK$1,084/mo
Today · 4.125%
HK$41,999
baseline
▲ 0.50% · 4.625%
HK$44,213
+HK$2,214/mo
Deposit HK$5.24M · loan HK$7.85M · min. income ≈ HK$83,998/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,787
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,087
−HK$1,321/mo
Today · 4.125%
HK$44,408
baseline
▲ 0.50% · 4.625%
HK$47,110
+HK$2,702/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$88,816/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,488
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,735
−HK$1,264/mo
Today · 4.125%
HK$48,999
baseline
▲ 0.50% · 4.625%
HK$51,582
+HK$2,583/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$97,998/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,726
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$55,398
−HK$1,697/mo
Today · 4.125%
HK$57,095
baseline
▲ 0.50% · 4.625%
HK$60,570
+HK$3,475/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$114,190/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,770
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$61,373
−HK$1,626/mo
Today · 4.125%
HK$62,999
baseline
▲ 0.50% · 4.625%
HK$66,320
+HK$3,321/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$125,998/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,866 · Scale 2, in force from 26 Feb 2026)