LTV · monthly repayment
▼ 0.50% · 3.625%
HK$31,732
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,719
−HK$1,003/mo
Today · 4.125%
HK$33,722
baseline
▲ 0.50% · 4.625%
HK$35,773
+HK$2,051/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$67,444/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,301
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,248
−HK$960/mo
Today · 4.125%
HK$37,208
baseline
▲ 0.50% · 4.625%
HK$39,170
+HK$1,962/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$74,416/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,078
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,262
−HK$1,204/mo
Today · 4.125%
HK$40,466
baseline
▲ 0.50% · 4.625%
HK$42,928
+HK$2,462/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$80,932/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,361
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,498
−HK$1,152/mo
Today · 4.125%
HK$44,650
baseline
▲ 0.50% · 4.625%
HK$47,004
+HK$2,354/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$89,300/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,424
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,806
−HK$1,404/mo
Today · 4.125%
HK$47,210
baseline
▲ 0.50% · 4.625%
HK$50,083
+HK$2,873/mo
Deposit HK$4.17M · loan HK$9.74M · min. income ≈ HK$94,420/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$521,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,422
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$50,747
−HK$1,345/mo
Today · 4.125%
HK$52,092
baseline
▲ 0.50% · 4.625%
HK$54,838
+HK$2,746/mo
Deposit HK$4.17M · loan HK$9.74M · min. income ≈ HK$104,184/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$521,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,117
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$58,894
−HK$1,805/mo
Today · 4.125%
HK$60,699
baseline
▲ 0.50% · 4.625%
HK$64,392
+HK$3,693/mo
Deposit HK$1.39M · loan HK$12.52M · min. income ≈ HK$121,398/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,542
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$65,246
−HK$1,729/mo
Today · 4.125%
HK$66,975
baseline
▲ 0.50% · 4.625%
HK$70,505
+HK$3,530/mo
Deposit HK$1.39M · loan HK$12.52M · min. income ≈ HK$133,950/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,844 · Scale 2, in force from 26 Feb 2026)