LTV · monthly repayment
▼ 0.50% · 3.625%
HK$26,661
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,491
−HK$842/mo
Today · 4.125%
HK$28,333
baseline
▲ 0.50% · 4.625%
HK$30,057
+HK$1,724/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$56,666/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,660
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,456
−HK$807/mo
Today · 4.125%
HK$31,263
baseline
▲ 0.50% · 4.625%
HK$32,911
+HK$1,648/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$62,526/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,994
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,989
−HK$1,011/mo
Today · 4.125%
HK$34,000
baseline
▲ 0.50% · 4.625%
HK$36,069
+HK$2,069/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$68,000/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,592
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,547
−HK$968/mo
Today · 4.125%
HK$37,515
baseline
▲ 0.50% · 4.625%
HK$39,493
+HK$1,978/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$75,030/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,326
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,487
−HK$1,179/mo
Today · 4.125%
HK$39,666
baseline
▲ 0.50% · 4.625%
HK$42,080
+HK$2,414/mo
Deposit HK$3.51M · loan HK$8.18M · min. income ≈ HK$79,332/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,525
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,638
−HK$1,130/mo
Today · 4.125%
HK$43,768
baseline
▲ 0.50% · 4.625%
HK$46,075
+HK$2,307/mo
Deposit HK$3.51M · loan HK$8.18M · min. income ≈ HK$87,536/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,990
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$49,483
−HK$1,517/mo
Today · 4.125%
HK$51,000
baseline
▲ 0.50% · 4.625%
HK$54,103
+HK$3,103/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$102,000/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,389
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$54,821
−HK$1,452/mo
Today · 4.125%
HK$56,273
baseline
▲ 0.50% · 4.625%
HK$59,239
+HK$2,966/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$112,546/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,459 · Scale 2, in force from 26 Feb 2026)