LTV · monthly repayment
▼ 0.50% · 3.625%
HK$25,712
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,512
−HK$812/mo
Today · 4.125%
HK$27,324
baseline
▲ 0.50% · 4.625%
HK$28,987
+HK$1,663/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$422,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,604
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,372
−HK$778/mo
Today · 4.125%
HK$30,150
baseline
▲ 0.50% · 4.625%
HK$31,739
+HK$1,589/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,300/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,855
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,814
−HK$975/mo
Today · 4.125%
HK$32,789
baseline
▲ 0.50% · 4.625%
HK$34,785
+HK$1,996/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$65,578/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,325
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,246
−HK$934/mo
Today · 4.125%
HK$36,180
baseline
▲ 0.50% · 4.625%
HK$38,087
+HK$1,907/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$72,360/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,997
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,117
−HK$1,137/mo
Today · 4.125%
HK$38,254
baseline
▲ 0.50% · 4.625%
HK$40,582
+HK$2,328/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$76,508/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$422,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,046
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,120
−HK$1,090/mo
Today · 4.125%
HK$42,210
baseline
▲ 0.50% · 4.625%
HK$44,435
+HK$2,225/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$84,420/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$422,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,282
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,721
−HK$1,463/mo
Today · 4.125%
HK$49,184
baseline
▲ 0.50% · 4.625%
HK$52,177
+HK$2,993/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$98,368/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,488
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,869
−HK$1,401/mo
Today · 4.125%
HK$54,270
baseline
▲ 0.50% · 4.625%
HK$57,130
+HK$2,860/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$108,540/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,850 · Scale 2, in force from 26 Feb 2026)