LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,239
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,993
−HK$766/mo
Today · 4.125%
HK$25,759
baseline
▲ 0.50% · 4.625%
HK$27,326
+HK$1,567/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,518/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,965
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,688
−HK$734/mo
Today · 4.125%
HK$28,422
baseline
▲ 0.50% · 4.625%
HK$29,920
+HK$1,498/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,844/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,086
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,991
−HK$919/mo
Today · 4.125%
HK$30,910
baseline
▲ 0.50% · 4.625%
HK$32,791
+HK$1,881/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,820/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,358
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,226
−HK$880/mo
Today · 4.125%
HK$34,106
baseline
▲ 0.50% · 4.625%
HK$35,904
+HK$1,798/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,212/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,934
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,990
−HK$1,072/mo
Today · 4.125%
HK$36,062
baseline
▲ 0.50% · 4.625%
HK$38,256
+HK$2,194/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,124/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,751
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,764
−HK$1,027/mo
Today · 4.125%
HK$39,791
baseline
▲ 0.50% · 4.625%
HK$41,888
+HK$2,097/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,582/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,629
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$44,987
−HK$1,378/mo
Today · 4.125%
HK$46,365
baseline
▲ 0.50% · 4.625%
HK$49,187
+HK$2,822/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,730/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,537
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$49,839
−HK$1,321/mo
Today · 4.125%
HK$51,160
baseline
▲ 0.50% · 4.625%
HK$53,856
+HK$2,696/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,320/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,616 · Scale 2, in force from 26 Feb 2026)