LTV · monthly repayment
▼ 0.50% · 3.625%
HK$25,600
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,396
−HK$810/mo
Today · 4.125%
HK$27,206
baseline
▲ 0.50% · 4.625%
HK$28,861
+HK$1,655/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,412/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$421,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,480
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,244
−HK$775/mo
Today · 4.125%
HK$30,019
baseline
▲ 0.50% · 4.625%
HK$31,601
+HK$1,582/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$60,038/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$421,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,720
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,676
−HK$971/mo
Today · 4.125%
HK$32,647
baseline
▲ 0.50% · 4.625%
HK$34,633
+HK$1,986/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$65,294/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,176
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,092
−HK$930/mo
Today · 4.125%
HK$36,022
baseline
▲ 0.50% · 4.625%
HK$37,921
+HK$1,899/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$72,044/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,840
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,955
−HK$1,133/mo
Today · 4.125%
HK$38,088
baseline
▲ 0.50% · 4.625%
HK$40,405
+HK$2,317/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$76,176/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,872
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,941
−HK$1,085/mo
Today · 4.125%
HK$42,026
baseline
▲ 0.50% · 4.625%
HK$44,241
+HK$2,215/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$84,052/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,080
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$47,514
−HK$1,456/mo
Today · 4.125%
HK$48,970
baseline
▲ 0.50% · 4.625%
HK$51,950
+HK$2,980/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$97,940/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,264
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$52,639
−HK$1,394/mo
Today · 4.125%
HK$54,033
baseline
▲ 0.50% · 4.625%
HK$56,882
+HK$2,849/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$108,066/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,008 · Scale 2, in force from 26 Feb 2026)