LTV · monthly repayment
▼ 0.50% · 3.625%
HK$25,240
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,025
−HK$797/mo
Today · 4.125%
HK$26,822
baseline
▲ 0.50% · 4.625%
HK$28,454
+HK$1,632/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,644/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,079
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,832
−HK$764/mo
Today · 4.125%
HK$29,596
baseline
▲ 0.50% · 4.625%
HK$31,156
+HK$1,560/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,192/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,288
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,230
−HK$957/mo
Today · 4.125%
HK$32,187
baseline
▲ 0.50% · 4.625%
HK$34,145
+HK$1,958/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$64,374/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$415,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,695
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,598
−HK$917/mo
Today · 4.125%
HK$35,515
baseline
▲ 0.50% · 4.625%
HK$37,387
+HK$1,872/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$71,030/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$415,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,336
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,435
−HK$1,116/mo
Today · 4.125%
HK$37,551
baseline
▲ 0.50% · 4.625%
HK$39,836
+HK$2,285/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$75,102/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,310
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,365
−HK$1,069/mo
Today · 4.125%
HK$41,434
baseline
▲ 0.50% · 4.625%
HK$43,618
+HK$2,184/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$82,868/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,431
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$46,845
−HK$1,435/mo
Today · 4.125%
HK$48,280
baseline
▲ 0.50% · 4.625%
HK$51,218
+HK$2,938/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$96,560/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,542
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,897
−HK$1,376/mo
Today · 4.125%
HK$53,273
baseline
▲ 0.50% · 4.625%
HK$56,081
+HK$2,808/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$106,546/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,080 · Scale 2, in force from 26 Feb 2026)