LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,250
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$25,004
−HK$766/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$398,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,977
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,701
−HK$734/mo
Today · 4.125%
HK$28,435
baseline
▲ 0.50% · 4.625%
HK$29,934
+HK$1,499/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,870/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,100
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$30,005
−HK$919/mo
Today · 4.125%
HK$30,924
baseline
▲ 0.50% · 4.625%
HK$32,806
+HK$1,882/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$398,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,373
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,241
−HK$881/mo
Today · 4.125%
HK$34,122
baseline
▲ 0.50% · 4.625%
HK$35,921
+HK$1,799/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,244/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,798 · 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$38,274
+HK$2,196/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$398,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,768
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,781
−HK$1,028/mo
Today · 4.125%
HK$39,809
baseline
▲ 0.50% · 4.625%
HK$41,907
+HK$2,098/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,618/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,649
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$45,007
−HK$1,380/mo
Today · 4.125%
HK$46,387
baseline
▲ 0.50% · 4.625%
HK$49,209
+HK$2,822/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,774/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,559
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,862
−HK$1,321/mo
Today · 4.125%
HK$51,183
baseline
▲ 0.50% · 4.625%
HK$53,881
+HK$2,698/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,366/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,798 · Scale 2, in force from 26 Feb 2026)