LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,132
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,882
−HK$763/mo
Today · 4.125%
HK$25,645
baseline
▲ 0.50% · 4.625%
HK$27,206
+HK$1,561/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,290/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,846
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,566
−HK$731/mo
Today · 4.125%
HK$28,297
baseline
▲ 0.50% · 4.625%
HK$29,788
+HK$1,491/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,594/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,958
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,859
−HK$915/mo
Today · 4.125%
HK$30,774
baseline
▲ 0.50% · 4.625%
HK$32,647
+HK$1,873/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$61,548/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,216
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,080
−HK$876/mo
Today · 4.125%
HK$33,956
baseline
▲ 0.50% · 4.625%
HK$35,746
+HK$1,790/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$67,912/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,785
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,835
−HK$1,068/mo
Today · 4.125%
HK$35,903
baseline
▲ 0.50% · 4.625%
HK$38,088
+HK$2,185/mo
Deposit HK$3.17M · loan HK$7.41M · min. income ≈ HK$71,806/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,585
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,593
−HK$1,023/mo
Today · 4.125%
HK$39,616
baseline
▲ 0.50% · 4.625%
HK$41,704
+HK$2,088/mo
Deposit HK$3.17M · loan HK$7.41M · min. income ≈ HK$79,232/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,437
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$44,788
−HK$1,373/mo
Today · 4.125%
HK$46,161
baseline
▲ 0.50% · 4.625%
HK$48,970
+HK$2,809/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$92,322/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$396,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,324
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,620
−HK$1,314/mo
Today · 4.125%
HK$50,934
baseline
▲ 0.50% · 4.625%
HK$53,619
+HK$2,685/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$101,868/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$396,861 · Scale 2, in force from 26 Feb 2026)