LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,020
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,767
−HK$759/mo
Today · 4.125%
HK$25,526
baseline
▲ 0.50% · 4.625%
HK$27,079
+HK$1,553/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,052/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$395,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,722
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,438
−HK$727/mo
Today · 4.125%
HK$28,165
baseline
▲ 0.50% · 4.625%
HK$29,650
+HK$1,485/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,330/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$395,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,824
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,720
−HK$911/mo
Today · 4.125%
HK$30,631
baseline
▲ 0.50% · 4.625%
HK$32,495
+HK$1,864/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$61,262/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,066
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,926
−HK$872/mo
Today · 4.125%
HK$33,798
baseline
▲ 0.50% · 4.625%
HK$35,580
+HK$1,782/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$67,596/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,627
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,674
−HK$1,062/mo
Today · 4.125%
HK$35,736
baseline
▲ 0.50% · 4.625%
HK$37,911
+HK$2,175/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$71,472/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,410
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,414
−HK$1,017/mo
Today · 4.125%
HK$39,431
baseline
▲ 0.50% · 4.625%
HK$41,510
+HK$2,079/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,862/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,235
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$44,580
−HK$1,367/mo
Today · 4.125%
HK$45,947
baseline
▲ 0.50% · 4.625%
HK$48,742
+HK$2,795/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$91,894/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,099
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$49,389
−HK$1,309/mo
Today · 4.125%
HK$50,698
baseline
▲ 0.50% · 4.625%
HK$53,370
+HK$2,672/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$101,396/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,016 · Scale 2, in force from 26 Feb 2026)