LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,226
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,979
−HK$766/mo
Today · 4.125%
HK$25,745
baseline
▲ 0.50% · 4.625%
HK$27,311
+HK$1,566/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,490/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,951
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,673
−HK$734/mo
Today · 4.125%
HK$28,407
baseline
▲ 0.50% · 4.625%
HK$29,904
+HK$1,497/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,814/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,071
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,975
−HK$919/mo
Today · 4.125%
HK$30,894
baseline
▲ 0.50% · 4.625%
HK$32,773
+HK$1,879/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$61,788/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,341
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,208
−HK$880/mo
Today · 4.125%
HK$34,088
baseline
▲ 0.50% · 4.625%
HK$35,885
+HK$1,797/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$68,176/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,916
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,971
−HK$1,072/mo
Today · 4.125%
HK$36,043
baseline
▲ 0.50% · 4.625%
HK$38,236
+HK$2,193/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,086/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,731
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,743
−HK$1,026/mo
Today · 4.125%
HK$39,769
baseline
▲ 0.50% · 4.625%
HK$41,866
+HK$2,097/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,538/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,606
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$44,962
−HK$1,378/mo
Today · 4.125%
HK$46,340
baseline
▲ 0.50% · 4.625%
HK$49,160
+HK$2,820/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$92,680/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,511
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,812
−HK$1,320/mo
Today · 4.125%
HK$51,132
baseline
▲ 0.50% · 4.625%
HK$53,827
+HK$2,695/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$102,264/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,402 · Scale 2, in force from 26 Feb 2026)