LTV · monthly repayment
▼ 0.50% · 3.625%
HK$31,836
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,826
−HK$1,006/mo
Today · 4.125%
HK$33,832
baseline
▲ 0.50% · 4.625%
HK$35,891
+HK$2,059/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$67,664/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,417
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,367
−HK$963/mo
Today · 4.125%
HK$37,330
baseline
▲ 0.50% · 4.625%
HK$39,298
+HK$1,968/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$74,660/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,203
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,391
−HK$1,207/mo
Today · 4.125%
HK$40,598
baseline
▲ 0.50% · 4.625%
HK$43,069
+HK$2,471/mo
Deposit HK$5.58M · loan HK$8.38M · min. income ≈ HK$81,196/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,500
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,640
−HK$1,156/mo
Today · 4.125%
HK$44,796
baseline
▲ 0.50% · 4.625%
HK$47,158
+HK$2,362/mo
Deposit HK$5.58M · loan HK$8.38M · min. income ≈ HK$89,592/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,570
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$45,956
−HK$1,409/mo
Today · 4.125%
HK$47,365
baseline
▲ 0.50% · 4.625%
HK$50,247
+HK$2,882/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$94,730/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,584
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$50,913
−HK$1,349/mo
Today · 4.125%
HK$52,262
baseline
▲ 0.50% · 4.625%
HK$55,017
+HK$2,755/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$104,524/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,304
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$59,087
−HK$1,811/mo
Today · 4.125%
HK$60,898
baseline
▲ 0.50% · 4.625%
HK$64,603
+HK$3,705/mo
Deposit HK$1.40M · loan HK$12.57M · min. income ≈ HK$121,796/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,750
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$65,460
−HK$1,734/mo
Today · 4.125%
HK$67,194
baseline
▲ 0.50% · 4.625%
HK$70,736
+HK$3,542/mo
Deposit HK$1.40M · loan HK$12.57M · min. income ≈ HK$134,388/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,554 · Scale 2, in force from 26 Feb 2026)