LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,174
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,926
−HK$764/mo
Today · 4.125%
HK$25,690
baseline
▲ 0.50% · 4.625%
HK$27,253
+HK$1,563/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,380/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,893
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,615
−HK$731/mo
Today · 4.125%
HK$28,346
baseline
▲ 0.50% · 4.625%
HK$29,841
+HK$1,495/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,692/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,009
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,911
−HK$917/mo
Today · 4.125%
HK$30,828
baseline
▲ 0.50% · 4.625%
HK$32,704
+HK$1,876/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,656/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,272
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,138
−HK$878/mo
Today · 4.125%
HK$34,016
baseline
▲ 0.50% · 4.625%
HK$35,809
+HK$1,793/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$68,032/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,844
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,897
−HK$1,069/mo
Today · 4.125%
HK$35,966
baseline
▲ 0.50% · 4.625%
HK$38,155
+HK$2,189/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,932/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,651
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,661
−HK$1,024/mo
Today · 4.125%
HK$39,685
baseline
▲ 0.50% · 4.625%
HK$41,777
+HK$2,092/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,370/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,513
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,867
−HK$1,375/mo
Today · 4.125%
HK$46,242
baseline
▲ 0.50% · 4.625%
HK$49,056
+HK$2,814/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$92,484/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,408
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$49,707
−HK$1,317/mo
Today · 4.125%
HK$51,024
baseline
▲ 0.50% · 4.625%
HK$53,713
+HK$2,689/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$102,048/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,557 · Scale 2, in force from 26 Feb 2026)