LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,037
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,785
−HK$760/mo
Today · 4.125%
HK$25,545
baseline
▲ 0.50% · 4.625%
HK$27,099
+HK$1,554/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,090/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,741
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,458
−HK$728/mo
Today · 4.125%
HK$28,186
baseline
▲ 0.50% · 4.625%
HK$29,672
+HK$1,486/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,372/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,845
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,742
−HK$911/mo
Today · 4.125%
HK$30,653
baseline
▲ 0.50% · 4.625%
HK$32,519
+HK$1,866/mo
Deposit HK$4.22M · loan HK$6.32M · min. income ≈ HK$61,306/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,089
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,950
−HK$873/mo
Today · 4.125%
HK$33,823
baseline
▲ 0.50% · 4.625%
HK$35,606
+HK$1,783/mo
Deposit HK$4.22M · loan HK$6.32M · min. income ≈ HK$67,646/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,652
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,699
−HK$1,063/mo
Today · 4.125%
HK$35,762
baseline
▲ 0.50% · 4.625%
HK$37,938
+HK$2,176/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$71,524/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,438
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,442
−HK$1,018/mo
Today · 4.125%
HK$39,460
baseline
▲ 0.50% · 4.625%
HK$41,540
+HK$2,080/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$78,920/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,267
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$44,613
−HK$1,367/mo
Today · 4.125%
HK$45,980
baseline
▲ 0.50% · 4.625%
HK$48,778
+HK$2,798/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$91,960/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,134
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$49,425
−HK$1,310/mo
Today · 4.125%
HK$50,735
baseline
▲ 0.50% · 4.625%
HK$53,409
+HK$2,674/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$101,470/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,305 · Scale 2, in force from 26 Feb 2026)