LTV · monthly repayment
▼ 0.50% · 3.625%
HK$31,745
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,732
−HK$1,004/mo
Today · 4.125%
HK$33,736
baseline
▲ 0.50% · 4.625%
HK$35,788
+HK$2,052/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$67,472/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$522,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,316
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,263
−HK$961/mo
Today · 4.125%
HK$37,224
baseline
▲ 0.50% · 4.625%
HK$39,186
+HK$1,962/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$74,448/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$522,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,094
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,279
−HK$1,204/mo
Today · 4.125%
HK$40,483
baseline
▲ 0.50% · 4.625%
HK$42,946
+HK$2,463/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$80,966/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,379
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,516
−HK$1,153/mo
Today · 4.125%
HK$44,669
baseline
▲ 0.50% · 4.625%
HK$47,023
+HK$2,354/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$89,338/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,443
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$45,825
−HK$1,405/mo
Today · 4.125%
HK$47,230
baseline
▲ 0.50% · 4.625%
HK$50,104
+HK$2,874/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$94,460/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,442
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$50,768
−HK$1,345/mo
Today · 4.125%
HK$52,113
baseline
▲ 0.50% · 4.625%
HK$54,860
+HK$2,747/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$104,226/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,141
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,918
−HK$1,806/mo
Today · 4.125%
HK$60,724
baseline
▲ 0.50% · 4.625%
HK$64,419
+HK$3,695/mo
Deposit HK$1.39M · loan HK$12.53M · min. income ≈ HK$121,448/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$522,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,568
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$65,273
−HK$1,730/mo
Today · 4.125%
HK$67,003
baseline
▲ 0.50% · 4.625%
HK$70,535
+HK$3,532/mo
Deposit HK$1.39M · loan HK$12.53M · min. income ≈ HK$134,006/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$522,061 · Scale 2, in force from 26 Feb 2026)