LTV · monthly repayment
▼ 0.50% · 3.625%
HK$32,454
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,463
−HK$1,026/mo
Today · 4.125%
HK$34,489
baseline
▲ 0.50% · 4.625%
HK$36,588
+HK$2,099/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$68,978/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,105
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,073
−HK$982/mo
Today · 4.125%
HK$38,055
baseline
▲ 0.50% · 4.625%
HK$40,061
+HK$2,006/mo
Deposit HK$7.12M · loan HK$7.12M · min. income ≈ HK$76,110/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,945
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,156
−HK$1,231/mo
Today · 4.125%
HK$41,387
baseline
▲ 0.50% · 4.625%
HK$43,905
+HK$2,518/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$82,774/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,326
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,488
−HK$1,178/mo
Today · 4.125%
HK$45,666
baseline
▲ 0.50% · 4.625%
HK$48,073
+HK$2,407/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$91,332/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,435
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,849
−HK$1,436/mo
Today · 4.125%
HK$48,285
baseline
▲ 0.50% · 4.625%
HK$51,223
+HK$2,938/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$96,570/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,546
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,902
−HK$1,375/mo
Today · 4.125%
HK$53,277
baseline
▲ 0.50% · 4.625%
HK$56,086
+HK$2,809/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$106,554/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,417
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$60,234
−HK$1,846/mo
Today · 4.125%
HK$62,080
baseline
▲ 0.50% · 4.625%
HK$65,858
+HK$3,778/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$124,160/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,988
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$66,731
−HK$1,768/mo
Today · 4.125%
HK$68,499
baseline
▲ 0.50% · 4.625%
HK$72,110
+HK$3,611/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$136,998/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,722 · Scale 2, in force from 26 Feb 2026)