LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,234
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,988
−HK$766/mo
Today · 4.125%
HK$25,754
baseline
▲ 0.50% · 4.625%
HK$27,321
+HK$1,567/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,508/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,960
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,683
−HK$734/mo
Today · 4.125%
HK$28,417
baseline
▲ 0.50% · 4.625%
HK$29,915
+HK$1,498/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,834/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,081
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,986
−HK$919/mo
Today · 4.125%
HK$30,905
baseline
▲ 0.50% · 4.625%
HK$32,785
+HK$1,880/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,810/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,352
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,220
−HK$880/mo
Today · 4.125%
HK$34,100
baseline
▲ 0.50% · 4.625%
HK$35,898
+HK$1,798/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,200/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,928
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,983
−HK$1,072/mo
Today · 4.125%
HK$36,055
baseline
▲ 0.50% · 4.625%
HK$38,249
+HK$2,194/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,110/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,744
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,757
−HK$1,027/mo
Today · 4.125%
HK$39,784
baseline
▲ 0.50% · 4.625%
HK$41,881
+HK$2,097/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,568/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,621
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$44,978
−HK$1,379/mo
Today · 4.125%
HK$46,357
baseline
▲ 0.50% · 4.625%
HK$49,178
+HK$2,821/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,714/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,528
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,830
−HK$1,320/mo
Today · 4.125%
HK$51,150
baseline
▲ 0.50% · 4.625%
HK$53,846
+HK$2,696/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,300/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,543 · Scale 2, in force from 26 Feb 2026)