LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,245
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,999
−HK$766/mo
Today · 4.125%
HK$25,765
baseline
▲ 0.50% · 4.625%
HK$27,333
+HK$1,568/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,530/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,972
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,696
−HK$734/mo
Today · 4.125%
HK$28,430
baseline
▲ 0.50% · 4.625%
HK$29,928
+HK$1,498/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,860/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,094
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$29,999
−HK$920/mo
Today · 4.125%
HK$30,919
baseline
▲ 0.50% · 4.625%
HK$32,800
+HK$1,881/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,838/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,367
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,235
−HK$881/mo
Today · 4.125%
HK$34,116
baseline
▲ 0.50% · 4.625%
HK$35,914
+HK$1,798/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,232/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,943
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$34,999
−HK$1,073/mo
Today · 4.125%
HK$36,072
baseline
▲ 0.50% · 4.625%
HK$38,267
+HK$2,195/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,144/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,761
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,774
−HK$1,028/mo
Today · 4.125%
HK$39,802
baseline
▲ 0.50% · 4.625%
HK$41,900
+HK$2,098/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,604/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,641
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$44,999
−HK$1,379/mo
Today · 4.125%
HK$46,378
baseline
▲ 0.50% · 4.625%
HK$49,200
+HK$2,822/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,756/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,550
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$49,852
−HK$1,321/mo
Today · 4.125%
HK$51,173
baseline
▲ 0.50% · 4.625%
HK$53,871
+HK$2,698/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,346/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,724 · Scale 2, in force from 26 Feb 2026)