LTV · monthly repayment
▼ 0.50% · 3.625%
HK$29,852
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,780
−HK$944/mo
Today · 4.125%
HK$31,724
baseline
▲ 0.50% · 4.625%
HK$33,654
+HK$1,930/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,448/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$490,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,210
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,100
−HK$904/mo
Today · 4.125%
HK$35,004
baseline
▲ 0.50% · 4.625%
HK$36,849
+HK$1,845/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,008/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$490,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,822
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,936
−HK$1,132/mo
Today · 4.125%
HK$38,068
baseline
▲ 0.50% · 4.625%
HK$40,385
+HK$2,317/mo
Deposit HK$5.24M · loan HK$7.85M · min. income ≈ HK$76,136/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,851
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,920
−HK$1,085/mo
Today · 4.125%
HK$42,005
baseline
▲ 0.50% · 4.625%
HK$44,219
+HK$2,214/mo
Deposit HK$5.24M · loan HK$7.85M · min. income ≈ HK$84,010/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,792
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,092
−HK$1,321/mo
Today · 4.125%
HK$44,413
baseline
▲ 0.50% · 4.625%
HK$47,115
+HK$2,702/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$88,826/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,493
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,740
−HK$1,265/mo
Today · 4.125%
HK$49,005
baseline
▲ 0.50% · 4.625%
HK$51,588
+HK$2,583/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$98,010/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,733
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$55,404
−HK$1,698/mo
Today · 4.125%
HK$57,102
baseline
▲ 0.50% · 4.625%
HK$60,577
+HK$3,475/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$114,204/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,777
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$61,380
−HK$1,627/mo
Today · 4.125%
HK$63,007
baseline
▲ 0.50% · 4.625%
HK$66,328
+HK$3,321/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$126,014/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,925 · Scale 2, in force from 26 Feb 2026)