LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,215
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,968
−HK$765/mo
Today · 4.125%
HK$25,733
baseline
▲ 0.50% · 4.625%
HK$27,299
+HK$1,566/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,466/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,939
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,661
−HK$733/mo
Today · 4.125%
HK$28,394
baseline
▲ 0.50% · 4.625%
HK$29,891
+HK$1,497/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,788/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,058
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,962
−HK$918/mo
Today · 4.125%
HK$30,880
baseline
▲ 0.50% · 4.625%
HK$32,759
+HK$1,879/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$61,760/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,326
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,193
−HK$880/mo
Today · 4.125%
HK$34,073
baseline
▲ 0.50% · 4.625%
HK$35,869
+HK$1,796/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$68,146/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,901
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,955
−HK$1,071/mo
Today · 4.125%
HK$36,026
baseline
▲ 0.50% · 4.625%
HK$38,219
+HK$2,193/mo
Deposit HK$3.19M · loan HK$7.43M · min. income ≈ HK$72,052/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,714
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,726
−HK$1,026/mo
Today · 4.125%
HK$39,752
baseline
▲ 0.50% · 4.625%
HK$41,847
+HK$2,095/mo
Deposit HK$3.19M · loan HK$7.43M · min. income ≈ HK$79,504/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,586
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$44,942
−HK$1,378/mo
Today · 4.125%
HK$46,320
baseline
▲ 0.50% · 4.625%
HK$49,138
+HK$2,818/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$92,640/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,490
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$49,790
−HK$1,319/mo
Today · 4.125%
HK$51,109
baseline
▲ 0.50% · 4.625%
HK$53,803
+HK$2,694/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$102,218/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,224 · Scale 2, in force from 26 Feb 2026)