LTV · monthly repayment
▼ 0.50% · 3.625%
HK$25,707
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,507
−HK$812/mo
Today · 4.125%
HK$27,319
baseline
▲ 0.50% · 4.625%
HK$28,982
+HK$1,663/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,638/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,599
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,366
−HK$778/mo
Today · 4.125%
HK$30,144
baseline
▲ 0.50% · 4.625%
HK$31,733
+HK$1,589/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,288/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,849
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,808
−HK$975/mo
Today · 4.125%
HK$32,783
baseline
▲ 0.50% · 4.625%
HK$34,778
+HK$1,995/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$65,566/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,319
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,239
−HK$934/mo
Today · 4.125%
HK$36,173
baseline
▲ 0.50% · 4.625%
HK$38,080
+HK$1,907/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$72,346/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,990
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,110
−HK$1,137/mo
Today · 4.125%
HK$38,247
baseline
▲ 0.50% · 4.625%
HK$40,574
+HK$2,327/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$76,494/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,039
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,112
−HK$1,090/mo
Today · 4.125%
HK$42,202
baseline
▲ 0.50% · 4.625%
HK$44,426
+HK$2,224/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$84,404/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,273
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,712
−HK$1,463/mo
Today · 4.125%
HK$49,175
baseline
▲ 0.50% · 4.625%
HK$52,167
+HK$2,992/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$98,350/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,478
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$52,859
−HK$1,400/mo
Today · 4.125%
HK$54,259
baseline
▲ 0.50% · 4.625%
HK$57,119
+HK$2,860/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$108,518/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,768 · Scale 2, in force from 26 Feb 2026)