LTV · monthly repayment
▼ 0.50% · 3.625%
HK$31,994
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,989
−HK$1,011/mo
Today · 4.125%
HK$34,000
baseline
▲ 0.50% · 4.625%
HK$36,069
+HK$2,069/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,000/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,593
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,548
−HK$968/mo
Today · 4.125%
HK$37,516
baseline
▲ 0.50% · 4.625%
HK$39,494
+HK$1,978/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,032/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,393
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,587
−HK$1,213/mo
Today · 4.125%
HK$40,800
baseline
▲ 0.50% · 4.625%
HK$43,283
+HK$2,483/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$81,600/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,712
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,857
−HK$1,162/mo
Today · 4.125%
HK$45,019
baseline
▲ 0.50% · 4.625%
HK$47,392
+HK$2,373/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$90,038/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,792
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,185
−HK$1,415/mo
Today · 4.125%
HK$47,600
baseline
▲ 0.50% · 4.625%
HK$50,497
+HK$2,897/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$95,200/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,830
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$51,167
−HK$1,355/mo
Today · 4.125%
HK$52,522
baseline
▲ 0.50% · 4.625%
HK$55,291
+HK$2,769/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$105,044/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,589
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$59,381
−HK$1,820/mo
Today · 4.125%
HK$61,201
baseline
▲ 0.50% · 4.625%
HK$64,925
+HK$3,724/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$122,402/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,067
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$65,786
−HK$1,743/mo
Today · 4.125%
HK$67,529
baseline
▲ 0.50% · 4.625%
HK$71,088
+HK$3,559/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$135,058/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,159 · Scale 2, in force from 26 Feb 2026)