LTV · monthly repayment
▼ 0.50% · 3.625%
HK$30,689
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,643
−HK$970/mo
Today · 4.125%
HK$32,613
baseline
▲ 0.50% · 4.625%
HK$34,598
+HK$1,985/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$65,226/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,141
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,057
−HK$929/mo
Today · 4.125%
HK$35,986
baseline
▲ 0.50% · 4.625%
HK$37,882
+HK$1,896/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$71,972/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,827
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,972
−HK$1,164/mo
Today · 4.125%
HK$39,136
baseline
▲ 0.50% · 4.625%
HK$41,517
+HK$2,381/mo
Deposit HK$5.38M · loan HK$8.08M · min. income ≈ HK$78,272/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,969
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,068
−HK$1,115/mo
Today · 4.125%
HK$43,183
baseline
▲ 0.50% · 4.625%
HK$45,459
+HK$2,276/mo
Deposit HK$5.38M · loan HK$8.08M · min. income ≈ HK$86,366/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,964
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$44,301
−HK$1,358/mo
Today · 4.125%
HK$45,659
baseline
▲ 0.50% · 4.625%
HK$48,437
+HK$2,778/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$91,318/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,797
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,079
−HK$1,301/mo
Today · 4.125%
HK$50,380
baseline
▲ 0.50% · 4.625%
HK$53,035
+HK$2,655/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$100,760/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,240
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$56,958
−HK$1,746/mo
Today · 4.125%
HK$58,704
baseline
▲ 0.50% · 4.625%
HK$62,276
+HK$3,572/mo
Deposit HK$1.35M · loan HK$12.11M · min. income ≈ HK$117,408/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,454
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$63,102
−HK$1,672/mo
Today · 4.125%
HK$64,774
baseline
▲ 0.50% · 4.625%
HK$68,188
+HK$3,414/mo
Deposit HK$1.35M · loan HK$12.11M · min. income ≈ HK$129,548/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,695 · Scale 2, in force from 26 Feb 2026)