LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,208
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,961
−HK$765/mo
Today · 4.125%
HK$25,726
baseline
▲ 0.50% · 4.625%
HK$27,291
+HK$1,565/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,452/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,931
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,654
−HK$732/mo
Today · 4.125%
HK$28,386
baseline
▲ 0.50% · 4.625%
HK$29,883
+HK$1,497/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,772/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,050
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,953
−HK$918/mo
Today · 4.125%
HK$30,871
baseline
▲ 0.50% · 4.625%
HK$32,750
+HK$1,879/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$61,742/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$398,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,317
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,184
−HK$879/mo
Today · 4.125%
HK$34,063
baseline
▲ 0.50% · 4.625%
HK$35,859
+HK$1,796/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$68,126/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$398,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,891
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,945
−HK$1,072/mo
Today · 4.125%
HK$36,017
baseline
▲ 0.50% · 4.625%
HK$38,208
+HK$2,191/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$72,034/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,704
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,715
−HK$1,026/mo
Today · 4.125%
HK$39,741
baseline
▲ 0.50% · 4.625%
HK$41,836
+HK$2,095/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$79,482/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,575
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$44,930
−HK$1,377/mo
Today · 4.125%
HK$46,307
baseline
▲ 0.50% · 4.625%
HK$49,125
+HK$2,818/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$92,614/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,476
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$49,776
−HK$1,319/mo
Today · 4.125%
HK$51,095
baseline
▲ 0.50% · 4.625%
HK$53,789
+HK$2,694/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$102,190/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,115 · Scale 2, in force from 26 Feb 2026)