LTV · monthly repayment
▼ 0.50% · 3.625%
HK$30,294
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,236
−HK$958/mo
Today · 4.125%
HK$32,194
baseline
▲ 0.50% · 4.625%
HK$34,153
+HK$1,959/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$64,388/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,702
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,606
−HK$916/mo
Today · 4.125%
HK$35,522
baseline
▲ 0.50% · 4.625%
HK$37,395
+HK$1,873/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$71,044/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,353
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,484
−HK$1,148/mo
Today · 4.125%
HK$38,632
baseline
▲ 0.50% · 4.625%
HK$40,983
+HK$2,351/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$77,264/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,442
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,527
−HK$1,100/mo
Today · 4.125%
HK$42,627
baseline
▲ 0.50% · 4.625%
HK$44,874
+HK$2,247/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$85,254/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,412
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$43,731
−HK$1,340/mo
Today · 4.125%
HK$45,071
baseline
▲ 0.50% · 4.625%
HK$47,814
+HK$2,743/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$90,142/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$498,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,182
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$48,448
−HK$1,283/mo
Today · 4.125%
HK$49,731
baseline
▲ 0.50% · 4.625%
HK$52,353
+HK$2,622/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$99,462/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$498,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,529
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,225
−HK$1,724/mo
Today · 4.125%
HK$57,949
baseline
▲ 0.50% · 4.625%
HK$61,475
+HK$3,526/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$115,898/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,663
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$62,290
−HK$1,650/mo
Today · 4.125%
HK$63,940
baseline
▲ 0.50% · 4.625%
HK$67,311
+HK$3,371/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$127,880/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,200 · Scale 2, in force from 26 Feb 2026)