LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,235
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,989
−HK$766/mo
Today · 4.125%
HK$25,755
baseline
▲ 0.50% · 4.625%
HK$27,322
+HK$1,567/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,510/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,962
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,685
−HK$733/mo
Today · 4.125%
HK$28,418
baseline
▲ 0.50% · 4.625%
HK$29,916
+HK$1,498/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,836/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,082
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,987
−HK$919/mo
Today · 4.125%
HK$30,906
baseline
▲ 0.50% · 4.625%
HK$32,787
+HK$1,881/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,812/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,354
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,222
−HK$880/mo
Today · 4.125%
HK$34,102
baseline
▲ 0.50% · 4.625%
HK$35,899
+HK$1,797/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,204/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,930
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,985
−HK$1,072/mo
Today · 4.125%
HK$36,057
baseline
▲ 0.50% · 4.625%
HK$38,251
+HK$2,194/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,114/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,746
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,759
−HK$1,027/mo
Today · 4.125%
HK$39,786
baseline
▲ 0.50% · 4.625%
HK$41,883
+HK$2,097/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,572/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,624
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$44,981
−HK$1,378/mo
Today · 4.125%
HK$46,359
baseline
▲ 0.50% · 4.625%
HK$49,180
+HK$2,821/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,718/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,531
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,832
−HK$1,321/mo
Today · 4.125%
HK$51,153
baseline
▲ 0.50% · 4.625%
HK$53,849
+HK$2,696/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,306/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,564 · Scale 2, in force from 26 Feb 2026)