LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,157
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,908
−HK$764/mo
Today · 4.125%
HK$25,672
baseline
▲ 0.50% · 4.625%
HK$27,234
+HK$1,562/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,344/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,874
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,595
−HK$731/mo
Today · 4.125%
HK$28,326
baseline
▲ 0.50% · 4.625%
HK$29,819
+HK$1,493/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,652/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,988
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,890
−HK$916/mo
Today · 4.125%
HK$30,806
baseline
▲ 0.50% · 4.625%
HK$32,680
+HK$1,874/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,612/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,249
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,114
−HK$877/mo
Today · 4.125%
HK$33,991
baseline
▲ 0.50% · 4.625%
HK$35,783
+HK$1,792/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$67,982/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,819
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,871
−HK$1,069/mo
Today · 4.125%
HK$35,940
baseline
▲ 0.50% · 4.625%
HK$38,127
+HK$2,187/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,880/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,624
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,633
−HK$1,023/mo
Today · 4.125%
HK$39,656
baseline
▲ 0.50% · 4.625%
HK$41,747
+HK$2,091/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,312/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,482
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,835
−HK$1,374/mo
Today · 4.125%
HK$46,209
baseline
▲ 0.50% · 4.625%
HK$49,020
+HK$2,811/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$92,418/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,373
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,671
−HK$1,316/mo
Today · 4.125%
HK$50,987
baseline
▲ 0.50% · 4.625%
HK$53,674
+HK$2,687/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$101,974/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,270 · Scale 2, in force from 26 Feb 2026)