LTV · monthly repayment
▼ 0.50% · 3.625%
HK$32,215
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,217
−HK$1,018/mo
Today · 4.125%
HK$34,235
baseline
▲ 0.50% · 4.625%
HK$36,318
+HK$2,083/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,470/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,839
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,800
−HK$975/mo
Today · 4.125%
HK$37,775
baseline
▲ 0.50% · 4.625%
HK$39,766
+HK$1,991/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,550/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,658
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,860
−HK$1,222/mo
Today · 4.125%
HK$41,082
baseline
▲ 0.50% · 4.625%
HK$43,582
+HK$2,500/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$82,164/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,006
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,160
−HK$1,170/mo
Today · 4.125%
HK$45,330
baseline
▲ 0.50% · 4.625%
HK$47,719
+HK$2,389/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$90,660/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,101
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$46,503
−HK$1,426/mo
Today · 4.125%
HK$47,929
baseline
▲ 0.50% · 4.625%
HK$50,845
+HK$2,916/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$95,858/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,174
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,520
−HK$1,365/mo
Today · 4.125%
HK$52,885
baseline
▲ 0.50% · 4.625%
HK$55,672
+HK$2,787/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$105,770/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,986
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$59,790
−HK$1,833/mo
Today · 4.125%
HK$61,623
baseline
▲ 0.50% · 4.625%
HK$65,372
+HK$3,749/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$123,246/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,509
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$66,239
−HK$1,756/mo
Today · 4.125%
HK$67,995
baseline
▲ 0.50% · 4.625%
HK$71,579
+HK$3,584/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$135,990/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,788 · Scale 2, in force from 26 Feb 2026)