LTV · monthly repayment
▼ 0.50% · 3.625%
HK$25,750
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,551
−HK$814/mo
Today · 4.125%
HK$27,365
baseline
▲ 0.50% · 4.625%
HK$29,030
+HK$1,665/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,730/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,647
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,415
−HK$780/mo
Today · 4.125%
HK$30,195
baseline
▲ 0.50% · 4.625%
HK$31,786
+HK$1,591/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,390/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,900
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,861
−HK$977/mo
Today · 4.125%
HK$32,838
baseline
▲ 0.50% · 4.625%
HK$34,836
+HK$1,998/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,676/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,376
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,298
−HK$935/mo
Today · 4.125%
HK$36,233
baseline
▲ 0.50% · 4.625%
HK$38,143
+HK$1,910/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$72,466/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,050
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,172
−HK$1,139/mo
Today · 4.125%
HK$38,311
baseline
▲ 0.50% · 4.625%
HK$40,642
+HK$2,331/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$76,622/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,106
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,181
−HK$1,091/mo
Today · 4.125%
HK$42,272
baseline
▲ 0.50% · 4.625%
HK$44,501
+HK$2,229/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$84,544/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,350
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$47,792
−HK$1,465/mo
Today · 4.125%
HK$49,257
baseline
▲ 0.50% · 4.625%
HK$52,254
+HK$2,997/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$98,514/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,564
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$52,947
−HK$1,403/mo
Today · 4.125%
HK$54,350
baseline
▲ 0.50% · 4.625%
HK$57,215
+HK$2,865/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$108,700/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,476 · Scale 2, in force from 26 Feb 2026)