LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,249
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,003
−HK$767/mo
Today · 4.125%
HK$25,770
baseline
▲ 0.50% · 4.625%
HK$27,338
+HK$1,568/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,540/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,977
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,700
−HK$734/mo
Today · 4.125%
HK$28,434
baseline
▲ 0.50% · 4.625%
HK$29,933
+HK$1,499/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,868/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,099
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,004
−HK$920/mo
Today · 4.125%
HK$30,924
baseline
▲ 0.50% · 4.625%
HK$32,805
+HK$1,881/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,848/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,372
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,240
−HK$881/mo
Today · 4.125%
HK$34,121
baseline
▲ 0.50% · 4.625%
HK$35,920
+HK$1,799/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,242/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,949
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,005
−HK$1,073/mo
Today · 4.125%
HK$36,078
baseline
▲ 0.50% · 4.625%
HK$38,273
+HK$2,195/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,156/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,768
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,780
−HK$1,028/mo
Today · 4.125%
HK$39,808
baseline
▲ 0.50% · 4.625%
HK$41,906
+HK$2,098/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,616/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,648
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$45,006
−HK$1,379/mo
Today · 4.125%
HK$46,385
baseline
▲ 0.50% · 4.625%
HK$49,208
+HK$2,823/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,770/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,558
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,861
−HK$1,321/mo
Today · 4.125%
HK$51,182
baseline
▲ 0.50% · 4.625%
HK$53,880
+HK$2,698/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,364/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,789 · Scale 2, in force from 26 Feb 2026)