LTV · monthly repayment
▼ 0.50% · 3.625%
HK$29,858
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,786
−HK$944/mo
Today · 4.125%
HK$31,730
baseline
▲ 0.50% · 4.625%
HK$33,661
+HK$1,931/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,460/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,216
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,107
−HK$904/mo
Today · 4.125%
HK$35,011
baseline
▲ 0.50% · 4.625%
HK$36,856
+HK$1,845/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,022/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,829
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,944
−HK$1,132/mo
Today · 4.125%
HK$38,076
baseline
▲ 0.50% · 4.625%
HK$40,393
+HK$2,317/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,152/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,860
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,929
−HK$1,084/mo
Today · 4.125%
HK$42,013
baseline
▲ 0.50% · 4.625%
HK$44,228
+HK$2,215/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,026/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,801
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,101
−HK$1,321/mo
Today · 4.125%
HK$44,422
baseline
▲ 0.50% · 4.625%
HK$47,125
+HK$2,703/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$88,844/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,503
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,750
−HK$1,265/mo
Today · 4.125%
HK$49,015
baseline
▲ 0.50% · 4.625%
HK$51,599
+HK$2,584/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$98,030/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,744
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$55,416
−HK$1,698/mo
Today · 4.125%
HK$57,114
baseline
▲ 0.50% · 4.625%
HK$60,589
+HK$3,475/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$114,228/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,789
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$61,393
−HK$1,627/mo
Today · 4.125%
HK$63,020
baseline
▲ 0.50% · 4.625%
HK$66,342
+HK$3,322/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$126,040/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,026 · Scale 2, in force from 26 Feb 2026)