LTV · monthly repayment
▼ 0.50% · 3.625%
HK$30,214
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,154
−HK$954/mo
Today · 4.125%
HK$32,108
baseline
▲ 0.50% · 4.625%
HK$34,062
+HK$1,954/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,216/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,613
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,514
−HK$914/mo
Today · 4.125%
HK$35,428
baseline
▲ 0.50% · 4.625%
HK$37,296
+HK$1,868/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,856/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,257
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,384
−HK$1,146/mo
Today · 4.125%
HK$38,530
baseline
▲ 0.50% · 4.625%
HK$40,875
+HK$2,345/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$77,060/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$496,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,335
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,417
−HK$1,097/mo
Today · 4.125%
HK$42,514
baseline
▲ 0.50% · 4.625%
HK$44,755
+HK$2,241/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$85,028/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$496,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,299
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,615
−HK$1,337/mo
Today · 4.125%
HK$44,952
baseline
▲ 0.50% · 4.625%
HK$47,687
+HK$2,735/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$89,904/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,058
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$48,320
−HK$1,280/mo
Today · 4.125%
HK$49,600
baseline
▲ 0.50% · 4.625%
HK$52,214
+HK$2,614/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$99,200/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,385
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$56,076
−HK$1,719/mo
Today · 4.125%
HK$57,795
baseline
▲ 0.50% · 4.625%
HK$61,312
+HK$3,517/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$115,590/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,503
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$62,125
−HK$1,646/mo
Today · 4.125%
HK$63,771
baseline
▲ 0.50% · 4.625%
HK$67,133
+HK$3,362/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$127,542/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,882 · Scale 2, in force from 26 Feb 2026)