LTV · monthly repayment
▼ 0.50% · 3.625%
HK$26,658
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,487
−HK$843/mo
Today · 4.125%
HK$28,330
baseline
▲ 0.50% · 4.625%
HK$30,053
+HK$1,723/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$56,660/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,657
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,452
−HK$807/mo
Today · 4.125%
HK$31,259
baseline
▲ 0.50% · 4.625%
HK$32,907
+HK$1,648/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$62,518/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,989
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$32,985
−HK$1,011/mo
Today · 4.125%
HK$33,996
baseline
▲ 0.50% · 4.625%
HK$36,064
+HK$2,068/mo
Deposit HK$4.68M · loan HK$7.01M · min. income ≈ HK$67,992/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$438,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,588
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,542
−HK$969/mo
Today · 4.125%
HK$37,511
baseline
▲ 0.50% · 4.625%
HK$39,488
+HK$1,977/mo
Deposit HK$4.68M · loan HK$7.01M · min. income ≈ HK$75,022/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$438,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,321
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,482
−HK$1,179/mo
Today · 4.125%
HK$39,661
baseline
▲ 0.50% · 4.625%
HK$42,075
+HK$2,414/mo
Deposit HK$3.51M · loan HK$8.18M · min. income ≈ HK$79,322/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,519
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,633
−HK$1,129/mo
Today · 4.125%
HK$43,762
baseline
▲ 0.50% · 4.625%
HK$46,069
+HK$2,307/mo
Deposit HK$3.51M · loan HK$8.18M · min. income ≈ HK$87,524/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,984
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$49,477
−HK$1,516/mo
Today · 4.125%
HK$50,993
baseline
▲ 0.50% · 4.625%
HK$54,096
+HK$3,103/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$101,986/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,382
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$54,814
−HK$1,452/mo
Today · 4.125%
HK$56,266
baseline
▲ 0.50% · 4.625%
HK$59,232
+HK$2,966/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$112,532/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,404 · Scale 2, in force from 26 Feb 2026)