LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,072
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,821
−HK$760/mo
Today · 4.125%
HK$25,581
baseline
▲ 0.50% · 4.625%
HK$27,138
+HK$1,557/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,162/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,780
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,498
−HK$728/mo
Today · 4.125%
HK$28,226
baseline
▲ 0.50% · 4.625%
HK$29,714
+HK$1,488/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,452/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,886
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,785
−HK$913/mo
Today · 4.125%
HK$30,698
baseline
▲ 0.50% · 4.625%
HK$32,565
+HK$1,867/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,396/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,136
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$32,997
−HK$875/mo
Today · 4.125%
HK$33,872
baseline
▲ 0.50% · 4.625%
HK$35,657
+HK$1,785/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,744/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,701
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,749
−HK$1,065/mo
Today · 4.125%
HK$35,814
baseline
▲ 0.50% · 4.625%
HK$37,993
+HK$2,179/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,628/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,491
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,497
−HK$1,020/mo
Today · 4.125%
HK$39,517
baseline
▲ 0.50% · 4.625%
HK$41,600
+HK$2,083/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$79,034/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,329
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,677
−HK$1,369/mo
Today · 4.125%
HK$46,046
baseline
▲ 0.50% · 4.625%
HK$48,848
+HK$2,802/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$92,092/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,203
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,496
−HK$1,312/mo
Today · 4.125%
HK$50,808
baseline
▲ 0.50% · 4.625%
HK$53,486
+HK$2,678/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$101,616/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,874 · Scale 2, in force from 26 Feb 2026)