LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,190
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,942
−HK$765/mo
Today · 4.125%
HK$25,707
baseline
▲ 0.50% · 4.625%
HK$27,271
+HK$1,564/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,414/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,911
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,633
−HK$732/mo
Today · 4.125%
HK$28,365
baseline
▲ 0.50% · 4.625%
HK$29,860
+HK$1,495/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,730/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,028
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,931
−HK$917/mo
Today · 4.125%
HK$30,848
baseline
▲ 0.50% · 4.625%
HK$32,725
+HK$1,877/mo
Deposit HK$4.24M · loan HK$6.37M · min. income ≈ HK$61,696/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,293
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,159
−HK$879/mo
Today · 4.125%
HK$34,038
baseline
▲ 0.50% · 4.625%
HK$35,832
+HK$1,794/mo
Deposit HK$4.24M · loan HK$6.37M · min. income ≈ HK$68,076/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,866
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,919
−HK$1,071/mo
Today · 4.125%
HK$35,990
baseline
▲ 0.50% · 4.625%
HK$38,179
+HK$2,189/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$71,980/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,675
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,686
−HK$1,025/mo
Today · 4.125%
HK$39,711
baseline
▲ 0.50% · 4.625%
HK$41,804
+HK$2,093/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$79,422/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,542
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$44,896
−HK$1,376/mo
Today · 4.125%
HK$46,272
baseline
▲ 0.50% · 4.625%
HK$49,088
+HK$2,816/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$92,544/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,440
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,739
−HK$1,318/mo
Today · 4.125%
HK$51,057
baseline
▲ 0.50% · 4.625%
HK$53,748
+HK$2,691/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$102,114/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,815 · Scale 2, in force from 26 Feb 2026)