LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,216
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,969
−HK$765/mo
Today · 4.125%
HK$25,734
baseline
▲ 0.50% · 4.625%
HK$27,300
+HK$1,566/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,468/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,940
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,662
−HK$733/mo
Today · 4.125%
HK$28,395
baseline
▲ 0.50% · 4.625%
HK$29,892
+HK$1,497/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,790/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,059
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,963
−HK$918/mo
Today · 4.125%
HK$30,881
baseline
▲ 0.50% · 4.625%
HK$32,760
+HK$1,879/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$61,762/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,328
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,195
−HK$879/mo
Today · 4.125%
HK$34,074
baseline
▲ 0.50% · 4.625%
HK$35,871
+HK$1,797/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$68,148/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,902
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,957
−HK$1,071/mo
Today · 4.125%
HK$36,028
baseline
▲ 0.50% · 4.625%
HK$38,220
+HK$2,192/mo
Deposit HK$3.19M · loan HK$7.43M · min. income ≈ HK$72,056/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,716
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,727
−HK$1,026/mo
Today · 4.125%
HK$39,753
baseline
▲ 0.50% · 4.625%
HK$41,849
+HK$2,096/mo
Deposit HK$3.19M · loan HK$7.43M · min. income ≈ HK$79,506/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,588
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$44,944
−HK$1,378/mo
Today · 4.125%
HK$46,322
baseline
▲ 0.50% · 4.625%
HK$49,140
+HK$2,818/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$92,644/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,492
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,792
−HK$1,320/mo
Today · 4.125%
HK$51,112
baseline
▲ 0.50% · 4.625%
HK$53,806
+HK$2,694/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$102,224/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,242 · Scale 2, in force from 26 Feb 2026)