LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,169
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,921
−HK$764/mo
Today · 4.125%
HK$25,685
baseline
▲ 0.50% · 4.625%
HK$27,248
+HK$1,563/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,370/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,888
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,609
−HK$732/mo
Today · 4.125%
HK$28,341
baseline
▲ 0.50% · 4.625%
HK$29,834
+HK$1,493/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,682/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,003
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,905
−HK$917/mo
Today · 4.125%
HK$30,822
baseline
▲ 0.50% · 4.625%
HK$32,697
+HK$1,875/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,644/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,266
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,131
−HK$878/mo
Today · 4.125%
HK$34,009
baseline
▲ 0.50% · 4.625%
HK$35,801
+HK$1,792/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$68,018/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,837
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,889
−HK$1,070/mo
Today · 4.125%
HK$35,959
baseline
▲ 0.50% · 4.625%
HK$38,147
+HK$2,188/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,918/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,643
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,653
−HK$1,024/mo
Today · 4.125%
HK$39,677
baseline
▲ 0.50% · 4.625%
HK$41,768
+HK$2,091/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,354/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,504
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,858
−HK$1,375/mo
Today · 4.125%
HK$46,233
baseline
▲ 0.50% · 4.625%
HK$49,046
+HK$2,813/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$92,466/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,398
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,696
−HK$1,317/mo
Today · 4.125%
HK$51,013
baseline
▲ 0.50% · 4.625%
HK$53,702
+HK$2,689/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$102,026/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,475 · Scale 2, in force from 26 Feb 2026)