LTV · monthly repayment
▼ 0.50% · 3.625%
HK$31,733
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,720
−HK$1,003/mo
Today · 4.125%
HK$33,723
baseline
▲ 0.50% · 4.625%
HK$35,775
+HK$2,052/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$67,446/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,302
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,249
−HK$961/mo
Today · 4.125%
HK$37,210
baseline
▲ 0.50% · 4.625%
HK$39,171
+HK$1,961/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$74,420/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,079
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,264
−HK$1,203/mo
Today · 4.125%
HK$40,467
baseline
▲ 0.50% · 4.625%
HK$42,930
+HK$2,463/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$80,934/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,363
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,499
−HK$1,153/mo
Today · 4.125%
HK$44,652
baseline
▲ 0.50% · 4.625%
HK$47,005
+HK$2,353/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$89,304/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,426
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,808
−HK$1,404/mo
Today · 4.125%
HK$47,212
baseline
▲ 0.50% · 4.625%
HK$50,085
+HK$2,873/mo
Deposit HK$4.17M · loan HK$9.74M · min. income ≈ HK$94,424/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$521,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,423
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$50,749
−HK$1,345/mo
Today · 4.125%
HK$52,094
baseline
▲ 0.50% · 4.625%
HK$54,840
+HK$2,746/mo
Deposit HK$4.17M · loan HK$9.74M · min. income ≈ HK$104,188/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$521,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,119
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$58,896
−HK$1,805/mo
Today · 4.125%
HK$60,701
baseline
▲ 0.50% · 4.625%
HK$64,395
+HK$3,694/mo
Deposit HK$1.39M · loan HK$12.52M · min. income ≈ HK$121,402/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,544
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,249
−HK$1,729/mo
Today · 4.125%
HK$66,978
baseline
▲ 0.50% · 4.625%
HK$70,508
+HK$3,530/mo
Deposit HK$1.39M · loan HK$12.52M · min. income ≈ HK$133,956/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,864 · Scale 2, in force from 26 Feb 2026)