LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,097
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,846
−HK$762/mo
Today · 4.125%
HK$25,608
baseline
▲ 0.50% · 4.625%
HK$27,166
+HK$1,558/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,216/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,807
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,526
−HK$730/mo
Today · 4.125%
HK$28,256
baseline
▲ 0.50% · 4.625%
HK$29,745
+HK$1,489/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,512/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,916
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,815
−HK$914/mo
Today · 4.125%
HK$30,729
baseline
▲ 0.50% · 4.625%
HK$32,599
+HK$1,870/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$61,458/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,169
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,032
−HK$875/mo
Today · 4.125%
HK$33,907
baseline
▲ 0.50% · 4.625%
HK$35,694
+HK$1,787/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$67,814/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,735
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$34,785
−HK$1,066/mo
Today · 4.125%
HK$35,851
baseline
▲ 0.50% · 4.625%
HK$38,032
+HK$2,181/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$71,702/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,530
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,537
−HK$1,021/mo
Today · 4.125%
HK$39,558
baseline
▲ 0.50% · 4.625%
HK$41,643
+HK$2,085/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$79,116/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,374
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,723
−HK$1,371/mo
Today · 4.125%
HK$46,094
baseline
▲ 0.50% · 4.625%
HK$48,899
+HK$2,805/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$92,188/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,253
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,547
−HK$1,313/mo
Today · 4.125%
HK$50,860
baseline
▲ 0.50% · 4.625%
HK$53,541
+HK$2,681/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$101,720/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,283 · Scale 2, in force from 26 Feb 2026)