LTV · monthly repayment
▼ 0.50% · 3.625%
HK$30,136
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,073
−HK$953/mo
Today · 4.125%
HK$32,026
baseline
▲ 0.50% · 4.625%
HK$33,974
+HK$1,948/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,052/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,526
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,425
−HK$912/mo
Today · 4.125%
HK$35,337
baseline
▲ 0.50% · 4.625%
HK$37,200
+HK$1,863/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,674/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,163
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,288
−HK$1,143/mo
Today · 4.125%
HK$38,431
baseline
▲ 0.50% · 4.625%
HK$40,769
+HK$2,338/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$76,862/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,231
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,310
−HK$1,095/mo
Today · 4.125%
HK$42,405
baseline
▲ 0.50% · 4.625%
HK$44,640
+HK$2,235/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$84,810/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,190
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$43,503
−HK$1,333/mo
Today · 4.125%
HK$44,836
baseline
▲ 0.50% · 4.625%
HK$47,564
+HK$2,728/mo
Deposit HK$3.96M · loan HK$9.25M · min. income ≈ HK$89,672/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,936
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$48,195
−HK$1,277/mo
Today · 4.125%
HK$49,472
baseline
▲ 0.50% · 4.625%
HK$52,080
+HK$2,608/mo
Deposit HK$3.96M · loan HK$9.25M · min. income ≈ HK$98,944/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,244
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$55,932
−HK$1,714/mo
Today · 4.125%
HK$57,646
baseline
▲ 0.50% · 4.625%
HK$61,154
+HK$3,508/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$115,292/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,346
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,965
−HK$1,642/mo
Today · 4.125%
HK$63,607
baseline
▲ 0.50% · 4.625%
HK$66,960
+HK$3,353/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$127,214/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,600 · Scale 2, in force from 26 Feb 2026)