LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,232
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,986
−HK$766/mo
Today · 4.125%
HK$25,752
baseline
▲ 0.50% · 4.625%
HK$27,319
+HK$1,567/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,504/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,958
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,681
−HK$733/mo
Today · 4.125%
HK$28,414
baseline
▲ 0.50% · 4.625%
HK$29,912
+HK$1,498/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,828/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,079
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,983
−HK$919/mo
Today · 4.125%
HK$30,902
baseline
▲ 0.50% · 4.625%
HK$32,782
+HK$1,880/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,804/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,350
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,217
−HK$880/mo
Today · 4.125%
HK$34,097
baseline
▲ 0.50% · 4.625%
HK$35,895
+HK$1,798/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,194/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,925
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,980
−HK$1,072/mo
Today · 4.125%
HK$36,052
baseline
▲ 0.50% · 4.625%
HK$38,246
+HK$2,194/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,104/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,741
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,753
−HK$1,027/mo
Today · 4.125%
HK$39,780
baseline
▲ 0.50% · 4.625%
HK$41,877
+HK$2,097/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,560/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,618
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$44,975
−HK$1,378/mo
Today · 4.125%
HK$46,353
baseline
▲ 0.50% · 4.625%
HK$49,173
+HK$2,820/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$92,706/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,524
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,826
−HK$1,320/mo
Today · 4.125%
HK$51,146
baseline
▲ 0.50% · 4.625%
HK$53,842
+HK$2,696/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$102,292/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,510 · Scale 2, in force from 26 Feb 2026)