LTV · monthly repayment
▼ 0.50% · 3.625%
HK$30,220
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,160
−HK$955/mo
Today · 4.125%
HK$32,115
baseline
▲ 0.50% · 4.625%
HK$34,069
+HK$1,954/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,230/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,619
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,521
−HK$914/mo
Today · 4.125%
HK$35,435
baseline
▲ 0.50% · 4.625%
HK$37,303
+HK$1,868/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,870/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,264
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,392
−HK$1,146/mo
Today · 4.125%
HK$38,538
baseline
▲ 0.50% · 4.625%
HK$40,883
+HK$2,345/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$77,076/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$496,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,343
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,425
−HK$1,097/mo
Today · 4.125%
HK$42,522
baseline
▲ 0.50% · 4.625%
HK$44,764
+HK$2,242/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$85,044/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$496,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,308
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,624
−HK$1,337/mo
Today · 4.125%
HK$44,961
baseline
▲ 0.50% · 4.625%
HK$47,696
+HK$2,735/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$89,922/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,067
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,329
−HK$1,281/mo
Today · 4.125%
HK$49,610
baseline
▲ 0.50% · 4.625%
HK$52,225
+HK$2,615/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$99,220/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,395
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$56,087
−HK$1,719/mo
Today · 4.125%
HK$57,806
baseline
▲ 0.50% · 4.625%
HK$61,324
+HK$3,518/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$115,612/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,514
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$62,137
−HK$1,647/mo
Today · 4.125%
HK$63,784
baseline
▲ 0.50% · 4.625%
HK$67,146
+HK$3,362/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$127,568/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,978 · Scale 2, in force from 26 Feb 2026)