LTV · monthly repayment
▼ 0.50% · 3.625%
HK$31,846
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,836
−HK$1,007/mo
Today · 4.125%
HK$33,843
baseline
▲ 0.50% · 4.625%
HK$35,902
+HK$2,059/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$67,686/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$523,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,428
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,378
−HK$964/mo
Today · 4.125%
HK$37,342
baseline
▲ 0.50% · 4.625%
HK$39,311
+HK$1,969/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$74,684/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$523,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,215
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,404
−HK$1,208/mo
Today · 4.125%
HK$40,612
baseline
▲ 0.50% · 4.625%
HK$43,083
+HK$2,471/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$81,224/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,514
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,654
−HK$1,157/mo
Today · 4.125%
HK$44,811
baseline
▲ 0.50% · 4.625%
HK$47,173
+HK$2,362/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$89,622/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,584
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,971
−HK$1,409/mo
Today · 4.125%
HK$47,380
baseline
▲ 0.50% · 4.625%
HK$50,263
+HK$2,883/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$94,760/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,600
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$50,930
−HK$1,349/mo
Today · 4.125%
HK$52,279
baseline
▲ 0.50% · 4.625%
HK$55,035
+HK$2,756/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$104,558/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,323
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$59,106
−HK$1,811/mo
Today · 4.125%
HK$60,917
baseline
▲ 0.50% · 4.625%
HK$64,624
+HK$3,707/mo
Deposit HK$1.40M · loan HK$12.57M · min. income ≈ HK$121,834/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,771
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$65,481
−HK$1,735/mo
Today · 4.125%
HK$67,216
baseline
▲ 0.50% · 4.625%
HK$70,759
+HK$3,543/mo
Deposit HK$1.40M · loan HK$12.57M · min. income ≈ HK$134,432/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,723 · Scale 2, in force from 26 Feb 2026)