LTV · monthly repayment
▼ 0.50% · 3.625%
HK$31,748
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,736
−HK$1,003/mo
Today · 4.125%
HK$33,739
baseline
▲ 0.50% · 4.625%
HK$35,792
+HK$2,053/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$67,478/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$522,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,319
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,267
−HK$961/mo
Today · 4.125%
HK$37,228
baseline
▲ 0.50% · 4.625%
HK$39,190
+HK$1,962/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$74,456/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$522,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,098
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,283
−HK$1,204/mo
Today · 4.125%
HK$40,487
baseline
▲ 0.50% · 4.625%
HK$42,950
+HK$2,463/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$80,974/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,383
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,520
−HK$1,153/mo
Today · 4.125%
HK$44,673
baseline
▲ 0.50% · 4.625%
HK$47,028
+HK$2,355/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$89,346/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,447
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$45,830
−HK$1,405/mo
Today · 4.125%
HK$47,235
baseline
▲ 0.50% · 4.625%
HK$50,109
+HK$2,874/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$94,470/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,447
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,773
−HK$1,346/mo
Today · 4.125%
HK$52,119
baseline
▲ 0.50% · 4.625%
HK$54,866
+HK$2,747/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$104,238/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,147
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,924
−HK$1,806/mo
Today · 4.125%
HK$60,730
baseline
▲ 0.50% · 4.625%
HK$64,425
+HK$3,695/mo
Deposit HK$1.39M · loan HK$12.53M · min. income ≈ HK$121,460/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$522,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,575
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$65,280
−HK$1,730/mo
Today · 4.125%
HK$67,010
baseline
▲ 0.50% · 4.625%
HK$70,542
+HK$3,532/mo
Deposit HK$1.39M · loan HK$12.53M · min. income ≈ HK$134,020/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$522,114 · Scale 2, in force from 26 Feb 2026)