LTV · monthly repayment
▼ 0.50% · 3.625%
HK$30,301
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,243
−HK$958/mo
Today · 4.125%
HK$32,201
baseline
▲ 0.50% · 4.625%
HK$34,160
+HK$1,959/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$64,402/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,709
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,613
−HK$917/mo
Today · 4.125%
HK$35,530
baseline
▲ 0.50% · 4.625%
HK$37,403
+HK$1,873/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$71,060/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,361
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,492
−HK$1,149/mo
Today · 4.125%
HK$38,641
baseline
▲ 0.50% · 4.625%
HK$40,992
+HK$2,351/mo
Deposit HK$5.32M · loan HK$7.97M · min. income ≈ HK$77,282/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,451
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,536
−HK$1,100/mo
Today · 4.125%
HK$42,636
baseline
▲ 0.50% · 4.625%
HK$44,884
+HK$2,248/mo
Deposit HK$5.32M · loan HK$7.97M · min. income ≈ HK$85,272/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,421
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,740
−HK$1,341/mo
Today · 4.125%
HK$45,081
baseline
▲ 0.50% · 4.625%
HK$47,824
+HK$2,743/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$90,162/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$498,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,193
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$48,458
−HK$1,284/mo
Today · 4.125%
HK$49,742
baseline
▲ 0.50% · 4.625%
HK$52,364
+HK$2,622/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$99,484/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$498,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,541
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,237
−HK$1,724/mo
Today · 4.125%
HK$57,961
baseline
▲ 0.50% · 4.625%
HK$61,488
+HK$3,527/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$115,922/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,676
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,304
−HK$1,650/mo
Today · 4.125%
HK$63,954
baseline
▲ 0.50% · 4.625%
HK$67,326
+HK$3,372/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$127,908/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,308 · Scale 2, in force from 26 Feb 2026)