LTV · monthly repayment
▼ 0.50% · 3.625%
HK$30,210
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,150
−HK$955/mo
Today · 4.125%
HK$32,105
baseline
▲ 0.50% · 4.625%
HK$34,058
+HK$1,953/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,210/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,608
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,510
−HK$914/mo
Today · 4.125%
HK$35,424
baseline
▲ 0.50% · 4.625%
HK$37,291
+HK$1,867/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,848/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,252
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,380
−HK$1,145/mo
Today · 4.125%
HK$38,525
baseline
▲ 0.50% · 4.625%
HK$40,870
+HK$2,345/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$77,050/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$496,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,330
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,412
−HK$1,097/mo
Today · 4.125%
HK$42,509
baseline
▲ 0.50% · 4.625%
HK$44,750
+HK$2,241/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$85,018/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$496,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,294
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,610
−HK$1,336/mo
Today · 4.125%
HK$44,946
baseline
▲ 0.50% · 4.625%
HK$47,681
+HK$2,735/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$89,892/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,052
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$48,314
−HK$1,280/mo
Today · 4.125%
HK$49,594
baseline
▲ 0.50% · 4.625%
HK$52,208
+HK$2,614/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$99,188/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,378
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$56,070
−HK$1,718/mo
Today · 4.125%
HK$57,788
baseline
▲ 0.50% · 4.625%
HK$61,304
+HK$3,516/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$115,576/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,495
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$62,118
−HK$1,645/mo
Today · 4.125%
HK$63,763
baseline
▲ 0.50% · 4.625%
HK$67,125
+HK$3,362/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$127,526/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,821 · Scale 2, in force from 26 Feb 2026)