LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,220
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,973
−HK$766/mo
Today · 4.125%
HK$25,739
baseline
▲ 0.50% · 4.625%
HK$27,305
+HK$1,566/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,478/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,944
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,667
−HK$733/mo
Today · 4.125%
HK$28,400
baseline
▲ 0.50% · 4.625%
HK$29,897
+HK$1,497/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,800/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,064
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,968
−HK$918/mo
Today · 4.125%
HK$30,886
baseline
▲ 0.50% · 4.625%
HK$32,766
+HK$1,880/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$61,772/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,333
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,200
−HK$880/mo
Today · 4.125%
HK$34,080
baseline
▲ 0.50% · 4.625%
HK$35,876
+HK$1,796/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$68,160/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,908
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,962
−HK$1,072/mo
Today · 4.125%
HK$36,034
baseline
▲ 0.50% · 4.625%
HK$38,226
+HK$2,192/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,068/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,722
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,734
−HK$1,026/mo
Today · 4.125%
HK$39,760
baseline
▲ 0.50% · 4.625%
HK$41,856
+HK$2,096/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,520/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,595
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$44,952
−HK$1,377/mo
Today · 4.125%
HK$46,329
baseline
▲ 0.50% · 4.625%
HK$49,148
+HK$2,819/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$92,658/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,500
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,800
−HK$1,320/mo
Today · 4.125%
HK$51,120
baseline
▲ 0.50% · 4.625%
HK$53,814
+HK$2,694/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$102,240/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,306 · Scale 2, in force from 26 Feb 2026)