LTV · monthly repayment
▼ 0.50% · 3.625%
HK$30,304
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,246
−HK$958/mo
Today · 4.125%
HK$32,204
baseline
▲ 0.50% · 4.625%
HK$34,164
+HK$1,960/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$64,408/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,713
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,617
−HK$917/mo
Today · 4.125%
HK$35,534
baseline
▲ 0.50% · 4.625%
HK$37,407
+HK$1,873/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$71,068/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,365
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,496
−HK$1,149/mo
Today · 4.125%
HK$38,645
baseline
▲ 0.50% · 4.625%
HK$40,996
+HK$2,351/mo
Deposit HK$5.32M · loan HK$7.97M · min. income ≈ HK$77,290/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,455
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$41,540
−HK$1,101/mo
Today · 4.125%
HK$42,641
baseline
▲ 0.50% · 4.625%
HK$44,889
+HK$2,248/mo
Deposit HK$5.32M · loan HK$7.97M · min. income ≈ HK$85,282/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,425
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$43,745
−HK$1,341/mo
Today · 4.125%
HK$45,086
baseline
▲ 0.50% · 4.625%
HK$47,829
+HK$2,743/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$90,172/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,198
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,464
−HK$1,284/mo
Today · 4.125%
HK$49,748
baseline
▲ 0.50% · 4.625%
HK$52,370
+HK$2,622/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$99,496/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,547
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,244
−HK$1,723/mo
Today · 4.125%
HK$57,967
baseline
▲ 0.50% · 4.625%
HK$61,495
+HK$3,528/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$115,934/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,683
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,310
−HK$1,651/mo
Today · 4.125%
HK$63,961
baseline
▲ 0.50% · 4.625%
HK$67,333
+HK$3,372/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$127,922/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,362 · Scale 2, in force from 26 Feb 2026)