LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,193
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,946
−HK$764/mo
Today · 4.125%
HK$25,710
baseline
▲ 0.50% · 4.625%
HK$27,275
+HK$1,565/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$397,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,915
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,636
−HK$733/mo
Today · 4.125%
HK$28,369
baseline
▲ 0.50% · 4.625%
HK$29,864
+HK$1,495/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,738/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,032
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,935
−HK$917/mo
Today · 4.125%
HK$30,852
baseline
▲ 0.50% · 4.625%
HK$32,730
+HK$1,878/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$397,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,298
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,164
−HK$879/mo
Today · 4.125%
HK$34,043
baseline
▲ 0.50% · 4.625%
HK$35,837
+HK$1,794/mo
Deposit HK$4.24M · loan HK$6.37M · min. income ≈ HK$68,086/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,870
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,924
−HK$1,070/mo
Today · 4.125%
HK$35,994
baseline
▲ 0.50% · 4.625%
HK$38,185
+HK$2,191/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$397,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,681
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,691
−HK$1,025/mo
Today · 4.125%
HK$39,716
baseline
▲ 0.50% · 4.625%
HK$41,810
+HK$2,094/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$397,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,548
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,902
−HK$1,377/mo
Today · 4.125%
HK$46,279
baseline
▲ 0.50% · 4.625%
HK$49,094
+HK$2,815/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$92,558/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,446
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,746
−HK$1,318/mo
Today · 4.125%
HK$51,064
baseline
▲ 0.50% · 4.625%
HK$53,755
+HK$2,691/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$102,128/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,870 · Scale 2, in force from 26 Feb 2026)