LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,214
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,967
−HK$765/mo
Today · 4.125%
HK$25,732
baseline
▲ 0.50% · 4.625%
HK$27,298
+HK$1,566/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,464/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,938
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,660
−HK$733/mo
Today · 4.125%
HK$28,393
baseline
▲ 0.50% · 4.625%
HK$29,890
+HK$1,497/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,786/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,057
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,961
−HK$918/mo
Today · 4.125%
HK$30,879
baseline
▲ 0.50% · 4.625%
HK$32,758
+HK$1,879/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$61,758/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,325
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,192
−HK$880/mo
Today · 4.125%
HK$34,072
baseline
▲ 0.50% · 4.625%
HK$35,868
+HK$1,796/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$68,144/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,900
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,954
−HK$1,071/mo
Today · 4.125%
HK$36,025
baseline
▲ 0.50% · 4.625%
HK$38,217
+HK$2,192/mo
Deposit HK$3.19M · loan HK$7.43M · min. income ≈ HK$72,050/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,713
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,724
−HK$1,027/mo
Today · 4.125%
HK$39,751
baseline
▲ 0.50% · 4.625%
HK$41,846
+HK$2,095/mo
Deposit HK$3.19M · loan HK$7.43M · min. income ≈ HK$79,502/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,585
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,941
−HK$1,377/mo
Today · 4.125%
HK$46,318
baseline
▲ 0.50% · 4.625%
HK$49,137
+HK$2,819/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$92,636/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,488
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,789
−HK$1,319/mo
Today · 4.125%
HK$51,108
baseline
▲ 0.50% · 4.625%
HK$53,802
+HK$2,694/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$102,216/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,213 · Scale 2, in force from 26 Feb 2026)