LTV · monthly repayment
▼ 0.50% · 3.625%
HK$25,030
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,809
−HK$791/mo
Today · 4.125%
HK$26,600
baseline
▲ 0.50% · 4.625%
HK$28,218
+HK$1,618/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,200/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,846
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,593
−HK$757/mo
Today · 4.125%
HK$29,350
baseline
▲ 0.50% · 4.625%
HK$30,897
+HK$1,547/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,700/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,036
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,971
−HK$949/mo
Today · 4.125%
HK$31,920
baseline
▲ 0.50% · 4.625%
HK$33,862
+HK$1,942/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$63,840/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,415
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,311
−HK$909/mo
Today · 4.125%
HK$35,220
baseline
▲ 0.50% · 4.625%
HK$37,077
+HK$1,857/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$70,440/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,042
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,132
−HK$1,108/mo
Today · 4.125%
HK$37,240
baseline
▲ 0.50% · 4.625%
HK$39,506
+HK$2,266/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$74,480/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,984
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,030
−HK$1,060/mo
Today · 4.125%
HK$41,090
baseline
▲ 0.50% · 4.625%
HK$43,256
+HK$2,166/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$82,180/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,054
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,456
−HK$1,424/mo
Today · 4.125%
HK$47,880
baseline
▲ 0.50% · 4.625%
HK$50,793
+HK$2,913/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$95,760/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,123
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,467
−HK$1,364/mo
Today · 4.125%
HK$52,831
baseline
▲ 0.50% · 4.625%
HK$55,615
+HK$2,784/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$105,662/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,635 · Scale 2, in force from 26 Feb 2026)