LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,229
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,983
−HK$766/mo
Today · 4.125%
HK$25,749
baseline
▲ 0.50% · 4.625%
HK$27,315
+HK$1,566/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,498/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,955
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,678
−HK$733/mo
Today · 4.125%
HK$28,411
baseline
▲ 0.50% · 4.625%
HK$29,909
+HK$1,498/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,822/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,075
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,979
−HK$919/mo
Today · 4.125%
HK$30,898
baseline
▲ 0.50% · 4.625%
HK$32,778
+HK$1,880/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,796/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,346
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,213
−HK$880/mo
Today · 4.125%
HK$34,093
baseline
▲ 0.50% · 4.625%
HK$35,890
+HK$1,797/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,186/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,921
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,976
−HK$1,072/mo
Today · 4.125%
HK$36,048
baseline
▲ 0.50% · 4.625%
HK$38,241
+HK$2,193/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,096/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,737
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,749
−HK$1,026/mo
Today · 4.125%
HK$39,775
baseline
▲ 0.50% · 4.625%
HK$41,872
+HK$2,097/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,550/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,613
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$44,969
−HK$1,378/mo
Today · 4.125%
HK$46,347
baseline
▲ 0.50% · 4.625%
HK$49,168
+HK$2,821/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$92,694/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,519
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,820
−HK$1,320/mo
Today · 4.125%
HK$51,140
baseline
▲ 0.50% · 4.625%
HK$53,836
+HK$2,696/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$102,280/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,463 · Scale 2, in force from 26 Feb 2026)