LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,227
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,981
−HK$766/mo
Today · 4.125%
HK$25,747
baseline
▲ 0.50% · 4.625%
HK$27,313
+HK$1,566/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,494/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,953
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,676
−HK$733/mo
Today · 4.125%
HK$28,409
baseline
▲ 0.50% · 4.625%
HK$29,906
+HK$1,497/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,818/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,073
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,977
−HK$919/mo
Today · 4.125%
HK$30,896
baseline
▲ 0.50% · 4.625%
HK$32,776
+HK$1,880/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$61,792/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,343
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,211
−HK$880/mo
Today · 4.125%
HK$34,091
baseline
▲ 0.50% · 4.625%
HK$35,888
+HK$1,797/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$68,182/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,918
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,973
−HK$1,072/mo
Today · 4.125%
HK$36,045
baseline
▲ 0.50% · 4.625%
HK$38,239
+HK$2,194/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,090/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,734
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,746
−HK$1,026/mo
Today · 4.125%
HK$39,772
baseline
▲ 0.50% · 4.625%
HK$41,869
+HK$2,097/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,544/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,609
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$44,966
−HK$1,378/mo
Today · 4.125%
HK$46,344
baseline
▲ 0.50% · 4.625%
HK$49,164
+HK$2,820/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$92,688/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,515
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,816
−HK$1,320/mo
Today · 4.125%
HK$51,136
baseline
▲ 0.50% · 4.625%
HK$53,831
+HK$2,695/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$102,272/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,432 · Scale 2, in force from 26 Feb 2026)