LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,213
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,966
−HK$765/mo
Today · 4.125%
HK$25,731
baseline
▲ 0.50% · 4.625%
HK$27,297
+HK$1,566/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,462/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,937
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,659
−HK$733/mo
Today · 4.125%
HK$28,392
baseline
▲ 0.50% · 4.625%
HK$29,888
+HK$1,496/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,784/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,055
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,959
−HK$918/mo
Today · 4.125%
HK$30,877
baseline
▲ 0.50% · 4.625%
HK$32,756
+HK$1,879/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$61,754/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,324
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,191
−HK$879/mo
Today · 4.125%
HK$34,070
baseline
▲ 0.50% · 4.625%
HK$35,866
+HK$1,796/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$68,140/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,898
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,952
−HK$1,072/mo
Today · 4.125%
HK$36,024
baseline
▲ 0.50% · 4.625%
HK$38,216
+HK$2,192/mo
Deposit HK$3.19M · loan HK$7.43M · min. income ≈ HK$72,048/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,711
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,723
−HK$1,026/mo
Today · 4.125%
HK$39,749
baseline
▲ 0.50% · 4.625%
HK$41,844
+HK$2,095/mo
Deposit HK$3.19M · loan HK$7.43M · min. income ≈ HK$79,498/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,583
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,939
−HK$1,377/mo
Today · 4.125%
HK$46,316
baseline
▲ 0.50% · 4.625%
HK$49,134
+HK$2,818/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$92,632/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,486
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$49,786
−HK$1,319/mo
Today · 4.125%
HK$51,105
baseline
▲ 0.50% · 4.625%
HK$53,799
+HK$2,694/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$102,210/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,193 · Scale 2, in force from 26 Feb 2026)