LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,244
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,998
−HK$766/mo
Today · 4.125%
HK$25,764
baseline
▲ 0.50% · 4.625%
HK$27,332
+HK$1,568/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,528/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,971
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,694
−HK$734/mo
Today · 4.125%
HK$28,428
baseline
▲ 0.50% · 4.625%
HK$29,927
+HK$1,499/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,856/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,093
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,998
−HK$919/mo
Today · 4.125%
HK$30,917
baseline
▲ 0.50% · 4.625%
HK$32,798
+HK$1,881/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,834/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,365
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,233
−HK$881/mo
Today · 4.125%
HK$34,114
baseline
▲ 0.50% · 4.625%
HK$35,912
+HK$1,798/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,228/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,941
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$34,997
−HK$1,073/mo
Today · 4.125%
HK$36,070
baseline
▲ 0.50% · 4.625%
HK$38,265
+HK$2,195/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,140/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,760
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,772
−HK$1,028/mo
Today · 4.125%
HK$39,800
baseline
▲ 0.50% · 4.625%
HK$41,897
+HK$2,097/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,600/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,639
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$44,996
−HK$1,380/mo
Today · 4.125%
HK$46,376
baseline
▲ 0.50% · 4.625%
HK$49,197
+HK$2,821/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,752/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,548
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$49,850
−HK$1,321/mo
Today · 4.125%
HK$51,171
baseline
▲ 0.50% · 4.625%
HK$53,868
+HK$2,697/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,342/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,704 · Scale 2, in force from 26 Feb 2026)