LTV · monthly repayment
▼ 0.50% · 3.625%
HK$30,135
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,072
−HK$953/mo
Today · 4.125%
HK$32,025
baseline
▲ 0.50% · 4.625%
HK$33,973
+HK$1,948/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,050/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,525
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,424
−HK$912/mo
Today · 4.125%
HK$35,336
baseline
▲ 0.50% · 4.625%
HK$37,198
+HK$1,862/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,672/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,162
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,287
−HK$1,142/mo
Today · 4.125%
HK$38,429
baseline
▲ 0.50% · 4.625%
HK$40,768
+HK$2,339/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$76,858/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,230
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,309
−HK$1,094/mo
Today · 4.125%
HK$42,403
baseline
▲ 0.50% · 4.625%
HK$44,638
+HK$2,235/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$84,806/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,189
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,501
−HK$1,333/mo
Today · 4.125%
HK$44,834
baseline
▲ 0.50% · 4.625%
HK$47,562
+HK$2,728/mo
Deposit HK$3.96M · loan HK$9.25M · min. income ≈ HK$89,668/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,935
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,193
−HK$1,277/mo
Today · 4.125%
HK$49,470
baseline
▲ 0.50% · 4.625%
HK$52,078
+HK$2,608/mo
Deposit HK$3.96M · loan HK$9.25M · min. income ≈ HK$98,940/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,243
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$55,930
−HK$1,714/mo
Today · 4.125%
HK$57,644
baseline
▲ 0.50% · 4.625%
HK$61,152
+HK$3,508/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$115,288/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,344
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,963
−HK$1,642/mo
Today · 4.125%
HK$63,605
baseline
▲ 0.50% · 4.625%
HK$66,957
+HK$3,352/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$127,210/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,583 · Scale 2, in force from 26 Feb 2026)