LTV · monthly repayment
▼ 0.50% · 3.625%
HK$31,730
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,717
−HK$1,003/mo
Today · 4.125%
HK$33,720
baseline
▲ 0.50% · 4.625%
HK$35,772
+HK$2,052/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$67,440/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,300
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,246
−HK$961/mo
Today · 4.125%
HK$37,207
baseline
▲ 0.50% · 4.625%
HK$39,168
+HK$1,961/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$74,414/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,076
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,261
−HK$1,203/mo
Today · 4.125%
HK$40,464
baseline
▲ 0.50% · 4.625%
HK$42,926
+HK$2,462/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$80,928/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,359
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,495
−HK$1,153/mo
Today · 4.125%
HK$44,648
baseline
▲ 0.50% · 4.625%
HK$47,001
+HK$2,353/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$89,296/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,422
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,804
−HK$1,404/mo
Today · 4.125%
HK$47,208
baseline
▲ 0.50% · 4.625%
HK$50,080
+HK$2,872/mo
Deposit HK$4.17M · loan HK$9.74M · min. income ≈ HK$94,416/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$521,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,419
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$50,745
−HK$1,344/mo
Today · 4.125%
HK$52,089
baseline
▲ 0.50% · 4.625%
HK$54,835
+HK$2,746/mo
Deposit HK$4.17M · loan HK$9.74M · min. income ≈ HK$104,178/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$521,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,114
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$58,891
−HK$1,805/mo
Today · 4.125%
HK$60,696
baseline
▲ 0.50% · 4.625%
HK$64,389
+HK$3,693/mo
Deposit HK$1.39M · loan HK$12.52M · min. income ≈ HK$121,392/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,539
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$65,243
−HK$1,729/mo
Today · 4.125%
HK$66,972
baseline
▲ 0.50% · 4.625%
HK$70,502
+HK$3,530/mo
Deposit HK$1.39M · loan HK$12.52M · min. income ≈ HK$133,944/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,820 · Scale 2, in force from 26 Feb 2026)