LTV · monthly repayment
▼ 0.50% · 3.625%
HK$29,885
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,815
−HK$944/mo
Today · 4.125%
HK$31,759
baseline
▲ 0.50% · 4.625%
HK$33,692
+HK$1,933/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,518/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,247
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,139
−HK$904/mo
Today · 4.125%
HK$35,043
baseline
▲ 0.50% · 4.625%
HK$36,891
+HK$1,848/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,086/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,862
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,978
−HK$1,133/mo
Today · 4.125%
HK$38,111
baseline
▲ 0.50% · 4.625%
HK$40,430
+HK$2,319/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,222/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,897
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,967
−HK$1,085/mo
Today · 4.125%
HK$42,052
baseline
▲ 0.50% · 4.625%
HK$44,269
+HK$2,217/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,104/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,840
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,141
−HK$1,322/mo
Today · 4.125%
HK$44,463
baseline
▲ 0.50% · 4.625%
HK$47,169
+HK$2,706/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$88,926/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,546
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,794
−HK$1,267/mo
Today · 4.125%
HK$49,061
baseline
▲ 0.50% · 4.625%
HK$51,647
+HK$2,586/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$98,122/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,794
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$55,467
−HK$1,700/mo
Today · 4.125%
HK$57,167
baseline
▲ 0.50% · 4.625%
HK$60,645
+HK$3,478/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$114,334/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,845
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$61,450
−HK$1,628/mo
Today · 4.125%
HK$63,078
baseline
▲ 0.50% · 4.625%
HK$66,403
+HK$3,325/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$126,156/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,481 · Scale 2, in force from 26 Feb 2026)