LTV · monthly repayment
▼ 0.50% · 3.625%
HK$25,693
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,492
−HK$812/mo
Today · 4.125%
HK$27,304
baseline
▲ 0.50% · 4.625%
HK$28,965
+HK$1,661/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,608/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,583
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,349
−HK$778/mo
Today · 4.125%
HK$30,127
baseline
▲ 0.50% · 4.625%
HK$31,715
+HK$1,588/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,254/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,831
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,790
−HK$975/mo
Today · 4.125%
HK$32,765
baseline
▲ 0.50% · 4.625%
HK$34,758
+HK$1,993/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$65,530/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,299
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,219
−HK$933/mo
Today · 4.125%
HK$36,152
baseline
▲ 0.50% · 4.625%
HK$38,058
+HK$1,906/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$72,304/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,970
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,089
−HK$1,136/mo
Today · 4.125%
HK$38,225
baseline
▲ 0.50% · 4.625%
HK$40,551
+HK$2,326/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$76,450/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,016
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,089
−HK$1,089/mo
Today · 4.125%
HK$42,178
baseline
▲ 0.50% · 4.625%
HK$44,401
+HK$2,223/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$84,356/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,247
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$47,685
−HK$1,462/mo
Today · 4.125%
HK$49,147
baseline
▲ 0.50% · 4.625%
HK$52,137
+HK$2,990/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$98,294/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,449
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$52,829
−HK$1,400/mo
Today · 4.125%
HK$54,229
baseline
▲ 0.50% · 4.625%
HK$57,087
+HK$2,858/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$108,458/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,529 · Scale 2, in force from 26 Feb 2026)