LTV · monthly repayment
▼ 0.50% · 3.625%
HK$25,518
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,311
−HK$807/mo
Today · 4.125%
HK$27,118
baseline
▲ 0.50% · 4.625%
HK$28,768
+HK$1,650/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,236/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,388
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,150
−HK$772/mo
Today · 4.125%
HK$29,922
baseline
▲ 0.50% · 4.625%
HK$31,499
+HK$1,577/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,844/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,621
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,574
−HK$967/mo
Today · 4.125%
HK$32,541
baseline
▲ 0.50% · 4.625%
HK$34,522
+HK$1,981/mo
Deposit HK$4.48M · loan HK$6.71M · min. income ≈ HK$65,082/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,066
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,979
−HK$927/mo
Today · 4.125%
HK$35,906
baseline
▲ 0.50% · 4.625%
HK$37,799
+HK$1,893/mo
Deposit HK$4.48M · loan HK$6.71M · min. income ≈ HK$71,812/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,725
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,836
−HK$1,129/mo
Today · 4.125%
HK$37,965
baseline
▲ 0.50% · 4.625%
HK$40,275
+HK$2,310/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$75,930/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,743
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,809
−HK$1,082/mo
Today · 4.125%
HK$41,891
baseline
▲ 0.50% · 4.625%
HK$44,099
+HK$2,208/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$83,782/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,932
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$47,361
−HK$1,451/mo
Today · 4.125%
HK$48,812
baseline
▲ 0.50% · 4.625%
HK$51,782
+HK$2,970/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$97,624/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,099
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$52,469
−HK$1,390/mo
Today · 4.125%
HK$53,859
baseline
▲ 0.50% · 4.625%
HK$56,698
+HK$2,839/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$107,718/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,652 · Scale 2, in force from 26 Feb 2026)