LTV · monthly repayment
▼ 0.50% · 3.625%
HK$25,510
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,304
−HK$806/mo
Today · 4.125%
HK$27,110
baseline
▲ 0.50% · 4.625%
HK$28,760
+HK$1,650/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,220/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,380
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,141
−HK$772/mo
Today · 4.125%
HK$29,913
baseline
▲ 0.50% · 4.625%
HK$31,490
+HK$1,577/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,826/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,612
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,565
−HK$967/mo
Today · 4.125%
HK$32,532
baseline
▲ 0.50% · 4.625%
HK$34,512
+HK$1,980/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$65,064/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,056
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,969
−HK$927/mo
Today · 4.125%
HK$35,896
baseline
▲ 0.50% · 4.625%
HK$37,788
+HK$1,892/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$71,792/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,715
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,825
−HK$1,129/mo
Today · 4.125%
HK$37,954
baseline
▲ 0.50% · 4.625%
HK$40,264
+HK$2,310/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$75,908/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,732
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,798
−HK$1,081/mo
Today · 4.125%
HK$41,879
baseline
▲ 0.50% · 4.625%
HK$44,086
+HK$2,207/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$83,758/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,919
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$47,347
−HK$1,451/mo
Today · 4.125%
HK$48,798
baseline
▲ 0.50% · 4.625%
HK$51,767
+HK$2,969/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$97,596/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,084
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$52,454
−HK$1,390/mo
Today · 4.125%
HK$53,844
baseline
▲ 0.50% · 4.625%
HK$56,682
+HK$2,838/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$107,688/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,532 · Scale 2, in force from 26 Feb 2026)