LTV · monthly repayment
▼ 0.50% · 3.625%
HK$31,848
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,839
−HK$1,006/mo
Today · 4.125%
HK$33,845
baseline
▲ 0.50% · 4.625%
HK$35,905
+HK$2,060/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$67,690/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$523,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,431
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,381
−HK$964/mo
Today · 4.125%
HK$37,345
baseline
▲ 0.50% · 4.625%
HK$39,313
+HK$1,968/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$74,690/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$523,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,218
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,406
−HK$1,208/mo
Today · 4.125%
HK$40,614
baseline
▲ 0.50% · 4.625%
HK$43,085
+HK$2,471/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$81,228/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,517
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,657
−HK$1,157/mo
Today · 4.125%
HK$44,814
baseline
▲ 0.50% · 4.625%
HK$47,176
+HK$2,362/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$89,628/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,587
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,974
−HK$1,409/mo
Today · 4.125%
HK$47,383
baseline
▲ 0.50% · 4.625%
HK$50,266
+HK$2,883/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$94,766/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,603
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$50,933
−HK$1,350/mo
Today · 4.125%
HK$52,283
baseline
▲ 0.50% · 4.625%
HK$55,039
+HK$2,756/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$104,566/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,326
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$59,110
−HK$1,811/mo
Today · 4.125%
HK$60,921
baseline
▲ 0.50% · 4.625%
HK$64,628
+HK$3,707/mo
Deposit HK$1.40M · loan HK$12.57M · min. income ≈ HK$121,842/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,775
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$65,486
−HK$1,735/mo
Today · 4.125%
HK$67,221
baseline
▲ 0.50% · 4.625%
HK$70,764
+HK$3,543/mo
Deposit HK$1.40M · loan HK$12.57M · min. income ≈ HK$134,442/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,758 · Scale 2, in force from 26 Feb 2026)