LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,190
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,943
−HK$764/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$397,822 · 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$29,861
+HK$1,496/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$397,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,028
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,931
−HK$918/mo
Today · 4.125%
HK$30,849
baseline
▲ 0.50% · 4.625%
HK$32,726
+HK$1,877/mo
Deposit HK$4.24M · loan HK$6.37M · min. income ≈ HK$61,698/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,294
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,160
−HK$878/mo
Today · 4.125%
HK$34,038
baseline
▲ 0.50% · 4.625%
HK$35,833
+HK$1,795/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$397,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,866
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,920
−HK$1,070/mo
Today · 4.125%
HK$35,990
baseline
▲ 0.50% · 4.625%
HK$38,180
+HK$2,190/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$397,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,676
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,686
−HK$1,026/mo
Today · 4.125%
HK$39,712
baseline
▲ 0.50% · 4.625%
HK$41,805
+HK$2,093/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$79,424/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,542
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,897
−HK$1,376/mo
Today · 4.125%
HK$46,273
baseline
▲ 0.50% · 4.625%
HK$49,089
+HK$2,816/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$92,546/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,441
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,740
−HK$1,318/mo
Today · 4.125%
HK$51,058
baseline
▲ 0.50% · 4.625%
HK$53,749
+HK$2,691/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$102,116/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,822 · Scale 2, in force from 26 Feb 2026)