LTV · monthly repayment
▼ 0.50% · 3.625%
HK$29,895
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,825
−HK$945/mo
Today · 4.125%
HK$31,770
baseline
▲ 0.50% · 4.625%
HK$33,703
+HK$1,933/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$63,540/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,258
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,150
−HK$905/mo
Today · 4.125%
HK$35,055
baseline
▲ 0.50% · 4.625%
HK$36,903
+HK$1,848/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$70,110/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,874
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$36,990
−HK$1,134/mo
Today · 4.125%
HK$38,124
baseline
▲ 0.50% · 4.625%
HK$40,444
+HK$2,320/mo
Deposit HK$5.24M · loan HK$7.87M · min. income ≈ HK$76,248/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,910
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,980
−HK$1,086/mo
Today · 4.125%
HK$42,066
baseline
▲ 0.50% · 4.625%
HK$44,283
+HK$2,217/mo
Deposit HK$5.24M · loan HK$7.87M · min. income ≈ HK$84,132/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,853
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$43,155
−HK$1,323/mo
Today · 4.125%
HK$44,478
baseline
▲ 0.50% · 4.625%
HK$47,184
+HK$2,706/mo
Deposit HK$3.93M · loan HK$9.18M · min. income ≈ HK$88,956/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,561
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$47,810
−HK$1,267/mo
Today · 4.125%
HK$49,077
baseline
▲ 0.50% · 4.625%
HK$51,664
+HK$2,587/mo
Deposit HK$3.93M · loan HK$9.18M · min. income ≈ HK$98,154/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,811
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$55,485
−HK$1,701/mo
Today · 4.125%
HK$57,186
baseline
▲ 0.50% · 4.625%
HK$60,666
+HK$3,480/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$114,372/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,865
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$61,470
−HK$1,629/mo
Today · 4.125%
HK$63,099
baseline
▲ 0.50% · 4.625%
HK$66,425
+HK$3,326/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$126,198/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,644 · Scale 2, in force from 26 Feb 2026)