LTV · monthly repayment
▼ 0.50% · 3.625%
HK$29,887
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,816
−HK$945/mo
Today · 4.125%
HK$31,761
baseline
▲ 0.50% · 4.625%
HK$33,693
+HK$1,932/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,522/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,248
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,140
−HK$905/mo
Today · 4.125%
HK$35,045
baseline
▲ 0.50% · 4.625%
HK$36,892
+HK$1,847/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,090/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,864
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,979
−HK$1,134/mo
Today · 4.125%
HK$38,113
baseline
▲ 0.50% · 4.625%
HK$40,432
+HK$2,319/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,226/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,898
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,968
−HK$1,086/mo
Today · 4.125%
HK$42,054
baseline
▲ 0.50% · 4.625%
HK$44,270
+HK$2,216/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,108/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,841
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,143
−HK$1,322/mo
Today · 4.125%
HK$44,465
baseline
▲ 0.50% · 4.625%
HK$47,171
+HK$2,706/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$88,930/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,548
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,796
−HK$1,267/mo
Today · 4.125%
HK$49,063
baseline
▲ 0.50% · 4.625%
HK$51,649
+HK$2,586/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$98,126/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,796
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$55,469
−HK$1,700/mo
Today · 4.125%
HK$57,169
baseline
▲ 0.50% · 4.625%
HK$60,648
+HK$3,479/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$114,338/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,847
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$61,452
−HK$1,629/mo
Today · 4.125%
HK$63,081
baseline
▲ 0.50% · 4.625%
HK$66,406
+HK$3,325/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$126,162/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,500 · Scale 2, in force from 26 Feb 2026)