LTV · monthly repayment
▼ 0.50% · 3.625%
HK$25,229
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,013
−HK$798/mo
Today · 4.125%
HK$26,811
baseline
▲ 0.50% · 4.625%
HK$28,442
+HK$1,631/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,622/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$414,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,067
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,819
−HK$764/mo
Today · 4.125%
HK$29,583
baseline
▲ 0.50% · 4.625%
HK$31,142
+HK$1,559/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,166/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$414,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,274
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,216
−HK$957/mo
Today · 4.125%
HK$32,173
baseline
▲ 0.50% · 4.625%
HK$34,131
+HK$1,958/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$64,346/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,680
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,583
−HK$917/mo
Today · 4.125%
HK$35,500
baseline
▲ 0.50% · 4.625%
HK$37,371
+HK$1,871/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$71,000/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,320
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,419
−HK$1,116/mo
Today · 4.125%
HK$37,535
baseline
▲ 0.50% · 4.625%
HK$39,819
+HK$2,284/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$75,070/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,293
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,347
−HK$1,069/mo
Today · 4.125%
HK$41,416
baseline
▲ 0.50% · 4.625%
HK$43,599
+HK$2,183/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$82,832/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,412
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$46,824
−HK$1,435/mo
Today · 4.125%
HK$48,259
baseline
▲ 0.50% · 4.625%
HK$51,196
+HK$2,937/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$96,518/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,520
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$51,875
−HK$1,374/mo
Today · 4.125%
HK$53,249
baseline
▲ 0.50% · 4.625%
HK$56,056
+HK$2,807/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$106,498/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,900 · Scale 2, in force from 26 Feb 2026)