LTV · monthly repayment
▼ 0.50% · 3.625%
HK$25,711
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,511
−HK$813/mo
Today · 4.125%
HK$27,324
baseline
▲ 0.50% · 4.625%
HK$28,986
+HK$1,662/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,648/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,604
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,371
−HK$778/mo
Today · 4.125%
HK$30,149
baseline
▲ 0.50% · 4.625%
HK$31,738
+HK$1,589/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,298/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,854
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,813
−HK$975/mo
Today · 4.125%
HK$32,788
baseline
▲ 0.50% · 4.625%
HK$34,783
+HK$1,995/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$65,576/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,324
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,245
−HK$934/mo
Today · 4.125%
HK$36,179
baseline
▲ 0.50% · 4.625%
HK$38,086
+HK$1,907/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$72,358/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,996
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,115
−HK$1,138/mo
Today · 4.125%
HK$38,253
baseline
▲ 0.50% · 4.625%
HK$40,581
+HK$2,328/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$76,506/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$422,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,045
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,119
−HK$1,089/mo
Today · 4.125%
HK$42,208
baseline
▲ 0.50% · 4.625%
HK$44,433
+HK$2,225/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$84,416/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$422,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,280
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,720
−HK$1,462/mo
Today · 4.125%
HK$49,182
baseline
▲ 0.50% · 4.625%
HK$52,175
+HK$2,993/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$98,364/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,486
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,867
−HK$1,401/mo
Today · 4.125%
HK$54,268
baseline
▲ 0.50% · 4.625%
HK$57,129
+HK$2,861/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$108,536/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,836 · Scale 2, in force from 26 Feb 2026)