LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,193
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,945
−HK$765/mo
Today · 4.125%
HK$25,710
baseline
▲ 0.50% · 4.625%
HK$27,274
+HK$1,564/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,420/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,914
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,636
−HK$732/mo
Today · 4.125%
HK$28,368
baseline
▲ 0.50% · 4.625%
HK$29,864
+HK$1,496/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,736/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,031
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,934
−HK$918/mo
Today · 4.125%
HK$30,852
baseline
▲ 0.50% · 4.625%
HK$32,729
+HK$1,877/mo
Deposit HK$4.24M · loan HK$6.37M · min. income ≈ HK$61,704/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,297
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,163
−HK$879/mo
Today · 4.125%
HK$34,042
baseline
▲ 0.50% · 4.625%
HK$35,836
+HK$1,794/mo
Deposit HK$4.24M · loan HK$6.37M · min. income ≈ HK$68,084/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,870
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,923
−HK$1,071/mo
Today · 4.125%
HK$35,994
baseline
▲ 0.50% · 4.625%
HK$38,184
+HK$2,190/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$71,988/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,680
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,690
−HK$1,026/mo
Today · 4.125%
HK$39,716
baseline
▲ 0.50% · 4.625%
HK$41,809
+HK$2,093/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$79,432/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,547
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,902
−HK$1,376/mo
Today · 4.125%
HK$46,278
baseline
▲ 0.50% · 4.625%
HK$49,094
+HK$2,816/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$92,556/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,446
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,745
−HK$1,318/mo
Today · 4.125%
HK$51,063
baseline
▲ 0.50% · 4.625%
HK$53,755
+HK$2,692/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$102,126/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,864 · Scale 2, in force from 26 Feb 2026)