LTV · monthly repayment
▼ 0.50% · 3.625%
HK$25,508
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,302
−HK$806/mo
Today · 4.125%
HK$27,108
baseline
▲ 0.50% · 4.625%
HK$28,757
+HK$1,649/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,216/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,378
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,139
−HK$772/mo
Today · 4.125%
HK$29,911
baseline
▲ 0.50% · 4.625%
HK$31,487
+HK$1,576/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,822/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,610
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,562
−HK$967/mo
Today · 4.125%
HK$32,529
baseline
▲ 0.50% · 4.625%
HK$34,509
+HK$1,980/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$65,058/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,053
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,967
−HK$926/mo
Today · 4.125%
HK$35,893
baseline
▲ 0.50% · 4.625%
HK$37,785
+HK$1,892/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$71,786/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,712
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,822
−HK$1,129/mo
Today · 4.125%
HK$37,951
baseline
▲ 0.50% · 4.625%
HK$40,260
+HK$2,309/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$75,902/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,729
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,794
−HK$1,081/mo
Today · 4.125%
HK$41,875
baseline
▲ 0.50% · 4.625%
HK$44,082
+HK$2,207/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$83,750/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,915
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$47,343
−HK$1,451/mo
Today · 4.125%
HK$48,794
baseline
▲ 0.50% · 4.625%
HK$51,763
+HK$2,969/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$97,588/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,080
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$52,450
−HK$1,390/mo
Today · 4.125%
HK$53,840
baseline
▲ 0.50% · 4.625%
HK$56,677
+HK$2,837/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$107,680/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,497 · Scale 2, in force from 26 Feb 2026)