LTV · monthly repayment
▼ 0.50% · 3.625%
HK$30,586
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,537
−HK$967/mo
Today · 4.125%
HK$32,504
baseline
▲ 0.50% · 4.625%
HK$34,482
+HK$1,978/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$65,008/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$503,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,026
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,939
−HK$926/mo
Today · 4.125%
HK$35,865
baseline
▲ 0.50% · 4.625%
HK$37,755
+HK$1,890/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$71,730/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$503,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,703
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,845
−HK$1,160/mo
Today · 4.125%
HK$39,005
baseline
▲ 0.50% · 4.625%
HK$41,378
+HK$2,373/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$78,010/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,832
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,927
−HK$1,111/mo
Today · 4.125%
HK$43,038
baseline
▲ 0.50% · 4.625%
HK$45,306
+HK$2,268/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$86,076/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,820
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$44,152
−HK$1,353/mo
Today · 4.125%
HK$45,505
baseline
▲ 0.50% · 4.625%
HK$48,274
+HK$2,769/mo
Deposit HK$4.02M · loan HK$9.39M · min. income ≈ HK$91,010/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,637
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$48,915
−HK$1,296/mo
Today · 4.125%
HK$50,211
baseline
▲ 0.50% · 4.625%
HK$52,857
+HK$2,646/mo
Deposit HK$4.02M · loan HK$9.39M · min. income ≈ HK$100,422/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,054
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,767
−HK$1,740/mo
Today · 4.125%
HK$58,507
baseline
▲ 0.50% · 4.625%
HK$62,067
+HK$3,560/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$117,014/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$503,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,248
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$62,890
−HK$1,667/mo
Today · 4.125%
HK$64,557
baseline
▲ 0.50% · 4.625%
HK$67,959
+HK$3,402/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$129,114/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$503,000 · Scale 2, in force from 26 Feb 2026)