LTV · monthly repayment
▼ 0.50% · 3.625%
HK$26,489
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,313
−HK$837/mo
Today · 4.125%
HK$28,150
baseline
▲ 0.50% · 4.625%
HK$29,863
+HK$1,713/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,300/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,468
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,259
−HK$801/mo
Today · 4.125%
HK$31,060
baseline
▲ 0.50% · 4.625%
HK$32,698
+HK$1,638/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,120/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,786
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,775
−HK$1,005/mo
Today · 4.125%
HK$33,780
baseline
▲ 0.50% · 4.625%
HK$35,835
+HK$2,055/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$67,560/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,362
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,310
−HK$963/mo
Today · 4.125%
HK$37,273
baseline
▲ 0.50% · 4.625%
HK$39,237
+HK$1,964/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$74,546/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,084
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$38,238
−HK$1,172/mo
Today · 4.125%
HK$39,410
baseline
▲ 0.50% · 4.625%
HK$41,808
+HK$2,398/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$78,820/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,256
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,362
−HK$1,123/mo
Today · 4.125%
HK$43,485
baseline
▲ 0.50% · 4.625%
HK$45,777
+HK$2,292/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$86,970/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,680
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$49,163
−HK$1,507/mo
Today · 4.125%
HK$50,670
baseline
▲ 0.50% · 4.625%
HK$53,753
+HK$3,083/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$101,340/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,043
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,466
−HK$1,443/mo
Today · 4.125%
HK$55,909
baseline
▲ 0.50% · 4.625%
HK$58,856
+HK$2,947/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$111,818/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,620 · Scale 2, in force from 26 Feb 2026)