LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,061
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,810
−HK$760/mo
Today · 4.125%
HK$25,570
baseline
▲ 0.50% · 4.625%
HK$27,126
+HK$1,556/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,140/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,768
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,486
−HK$728/mo
Today · 4.125%
HK$28,214
baseline
▲ 0.50% · 4.625%
HK$29,701
+HK$1,487/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,428/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,873
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,772
−HK$912/mo
Today · 4.125%
HK$30,684
baseline
▲ 0.50% · 4.625%
HK$32,551
+HK$1,867/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,368/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,121
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$32,983
−HK$874/mo
Today · 4.125%
HK$33,857
baseline
▲ 0.50% · 4.625%
HK$35,641
+HK$1,784/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,714/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,686
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,734
−HK$1,064/mo
Today · 4.125%
HK$35,798
baseline
▲ 0.50% · 4.625%
HK$37,976
+HK$2,178/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,596/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,475
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,480
−HK$1,020/mo
Today · 4.125%
HK$39,500
baseline
▲ 0.50% · 4.625%
HK$41,582
+HK$2,082/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$79,000/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,310
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,657
−HK$1,369/mo
Today · 4.125%
HK$46,026
baseline
▲ 0.50% · 4.625%
HK$48,827
+HK$2,801/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$92,052/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,182
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,474
−HK$1,311/mo
Today · 4.125%
HK$50,785
baseline
▲ 0.50% · 4.625%
HK$53,462
+HK$2,677/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$101,570/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,700 · Scale 2, in force from 26 Feb 2026)