LTV · monthly repayment
▼ 0.50% · 3.625%
HK$31,729
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$32,715
−HK$1,003/mo
Today · 4.125%
HK$33,718
baseline
▲ 0.50% · 4.625%
HK$35,770
+HK$2,052/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$67,436/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,298
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,244
−HK$961/mo
Today · 4.125%
HK$37,205
baseline
▲ 0.50% · 4.625%
HK$39,166
+HK$1,961/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$74,410/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,074
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,259
−HK$1,203/mo
Today · 4.125%
HK$40,462
baseline
▲ 0.50% · 4.625%
HK$42,924
+HK$2,462/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$80,924/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,357
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,493
−HK$1,153/mo
Today · 4.125%
HK$44,646
baseline
▲ 0.50% · 4.625%
HK$46,999
+HK$2,353/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$89,292/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,420
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$45,802
−HK$1,403/mo
Today · 4.125%
HK$47,205
baseline
▲ 0.50% · 4.625%
HK$50,078
+HK$2,873/mo
Deposit HK$4.17M · loan HK$9.74M · min. income ≈ HK$94,410/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$521,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,417
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$50,742
−HK$1,345/mo
Today · 4.125%
HK$52,087
baseline
▲ 0.50% · 4.625%
HK$54,832
+HK$2,745/mo
Deposit HK$4.17M · loan HK$9.74M · min. income ≈ HK$104,174/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$521,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,111
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$58,888
−HK$1,805/mo
Today · 4.125%
HK$60,693
baseline
▲ 0.50% · 4.625%
HK$64,386
+HK$3,693/mo
Deposit HK$1.39M · loan HK$12.52M · min. income ≈ HK$121,386/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,536
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$65,240
−HK$1,728/mo
Today · 4.125%
HK$66,968
baseline
▲ 0.50% · 4.625%
HK$70,498
+HK$3,530/mo
Deposit HK$1.39M · loan HK$12.52M · min. income ≈ HK$133,936/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,793 · Scale 2, in force from 26 Feb 2026)