LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,244
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$24,999
−HK$766/mo
Today · 4.125%
HK$25,765
baseline
▲ 0.50% · 4.625%
HK$27,332
+HK$1,567/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,530/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,972
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,695
−HK$734/mo
Today · 4.125%
HK$28,429
baseline
▲ 0.50% · 4.625%
HK$29,927
+HK$1,498/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,858/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,093
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$29,998
−HK$920/mo
Today · 4.125%
HK$30,918
baseline
▲ 0.50% · 4.625%
HK$32,799
+HK$1,881/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,836/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,366
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,234
−HK$881/mo
Today · 4.125%
HK$34,115
baseline
▲ 0.50% · 4.625%
HK$35,913
+HK$1,798/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,230/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,942
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$34,998
−HK$1,073/mo
Today · 4.125%
HK$36,071
baseline
▲ 0.50% · 4.625%
HK$38,265
+HK$2,194/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,142/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,760
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,773
−HK$1,027/mo
Today · 4.125%
HK$39,800
baseline
▲ 0.50% · 4.625%
HK$41,898
+HK$2,098/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$398,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,640
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$44,997
−HK$1,380/mo
Today · 4.125%
HK$46,377
baseline
▲ 0.50% · 4.625%
HK$49,198
+HK$2,821/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,754/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,549
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$49,851
−HK$1,321/mo
Today · 4.125%
HK$51,172
baseline
▲ 0.50% · 4.625%
HK$53,869
+HK$2,697/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,344/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,712 · Scale 2, in force from 26 Feb 2026)