LTV · monthly repayment
▼ 0.50% · 3.625%
HK$30,300
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,242
−HK$958/mo
Today · 4.125%
HK$32,200
baseline
▲ 0.50% · 4.625%
HK$34,159
+HK$1,959/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$64,400/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,708
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,612
−HK$917/mo
Today · 4.125%
HK$35,529
baseline
▲ 0.50% · 4.625%
HK$37,402
+HK$1,873/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$71,058/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,359
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$37,490
−HK$1,150/mo
Today · 4.125%
HK$38,640
baseline
▲ 0.50% · 4.625%
HK$40,991
+HK$2,351/mo
Deposit HK$5.32M · loan HK$7.97M · min. income ≈ HK$77,280/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,450
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,534
−HK$1,101/mo
Today · 4.125%
HK$42,635
baseline
▲ 0.50% · 4.625%
HK$44,882
+HK$2,247/mo
Deposit HK$5.32M · loan HK$7.97M · min. income ≈ HK$85,270/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,419
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,739
−HK$1,340/mo
Today · 4.125%
HK$45,079
baseline
▲ 0.50% · 4.625%
HK$47,822
+HK$2,743/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$90,158/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$498,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,191
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,457
−HK$1,284/mo
Today · 4.125%
HK$49,741
baseline
▲ 0.50% · 4.625%
HK$52,363
+HK$2,622/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$99,482/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$498,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,539
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,236
−HK$1,723/mo
Today · 4.125%
HK$57,959
baseline
▲ 0.50% · 4.625%
HK$61,486
+HK$3,527/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$115,918/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,674
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,302
−HK$1,650/mo
Today · 4.125%
HK$63,952
baseline
▲ 0.50% · 4.625%
HK$67,323
+HK$3,371/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$127,904/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,292 · Scale 2, in force from 26 Feb 2026)