LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,246
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$25,000
−HK$766/mo
Today · 4.125%
HK$25,766
baseline
▲ 0.50% · 4.625%
HK$27,334
+HK$1,568/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,532/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,973
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,697
−HK$734/mo
Today · 4.125%
HK$28,431
baseline
▲ 0.50% · 4.625%
HK$29,929
+HK$1,498/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,862/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,095
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,000
−HK$920/mo
Today · 4.125%
HK$30,920
baseline
▲ 0.50% · 4.625%
HK$32,801
+HK$1,881/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,840/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,368
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,236
−HK$881/mo
Today · 4.125%
HK$34,117
baseline
▲ 0.50% · 4.625%
HK$35,915
+HK$1,798/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,234/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,944
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,000
−HK$1,073/mo
Today · 4.125%
HK$36,073
baseline
▲ 0.50% · 4.625%
HK$38,268
+HK$2,195/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,146/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,763
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,775
−HK$1,028/mo
Today · 4.125%
HK$39,803
baseline
▲ 0.50% · 4.625%
HK$41,901
+HK$2,098/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,606/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,643
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$45,000
−HK$1,379/mo
Today · 4.125%
HK$46,379
baseline
▲ 0.50% · 4.625%
HK$49,201
+HK$2,822/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,758/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,552
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$49,854
−HK$1,321/mo
Today · 4.125%
HK$51,175
baseline
▲ 0.50% · 4.625%
HK$53,873
+HK$2,698/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,350/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,737 · Scale 2, in force from 26 Feb 2026)