LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,176
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,928
−HK$764/mo
Today · 4.125%
HK$25,692
baseline
▲ 0.50% · 4.625%
HK$27,255
+HK$1,563/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,384/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,895
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,617
−HK$731/mo
Today · 4.125%
HK$28,348
baseline
▲ 0.50% · 4.625%
HK$29,843
+HK$1,495/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,696/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,011
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,913
−HK$917/mo
Today · 4.125%
HK$30,830
baseline
▲ 0.50% · 4.625%
HK$32,706
+HK$1,876/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,660/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,274
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,140
−HK$878/mo
Today · 4.125%
HK$34,018
baseline
▲ 0.50% · 4.625%
HK$35,811
+HK$1,793/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$68,036/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,846
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,899
−HK$1,070/mo
Today · 4.125%
HK$35,969
baseline
▲ 0.50% · 4.625%
HK$38,157
+HK$2,188/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,938/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,654
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,663
−HK$1,025/mo
Today · 4.125%
HK$39,688
baseline
▲ 0.50% · 4.625%
HK$41,780
+HK$2,092/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,376/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,517
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$44,870
−HK$1,375/mo
Today · 4.125%
HK$46,245
baseline
▲ 0.50% · 4.625%
HK$49,059
+HK$2,814/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$92,490/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,412
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,710
−HK$1,317/mo
Today · 4.125%
HK$51,027
baseline
▲ 0.50% · 4.625%
HK$53,717
+HK$2,690/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$102,054/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,585 · Scale 2, in force from 26 Feb 2026)