LTV · monthly repayment
▼ 0.50% · 3.625%
HK$29,854
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,783
−HK$944/mo
Today · 4.125%
HK$31,727
baseline
▲ 0.50% · 4.625%
HK$33,657
+HK$1,930/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,454/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$490,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,213
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,104
−HK$903/mo
Today · 4.125%
HK$35,007
baseline
▲ 0.50% · 4.625%
HK$36,852
+HK$1,845/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,014/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$490,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,825
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,940
−HK$1,132/mo
Today · 4.125%
HK$38,072
baseline
▲ 0.50% · 4.625%
HK$40,389
+HK$2,317/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,144/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,855
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,924
−HK$1,085/mo
Today · 4.125%
HK$42,009
baseline
▲ 0.50% · 4.625%
HK$44,223
+HK$2,214/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,018/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,796
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,096
−HK$1,321/mo
Today · 4.125%
HK$44,417
baseline
▲ 0.50% · 4.625%
HK$47,120
+HK$2,703/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$88,834/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,498
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,745
−HK$1,265/mo
Today · 4.125%
HK$49,010
baseline
▲ 0.50% · 4.625%
HK$51,593
+HK$2,583/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$98,020/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,738
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$55,410
−HK$1,698/mo
Today · 4.125%
HK$57,108
baseline
▲ 0.50% · 4.625%
HK$60,583
+HK$3,475/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$114,216/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,783
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$61,386
−HK$1,627/mo
Today · 4.125%
HK$63,013
baseline
▲ 0.50% · 4.625%
HK$66,334
+HK$3,321/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$126,026/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,973 · Scale 2, in force from 26 Feb 2026)