LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,251
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$25,005
−HK$766/mo
Today · 4.125%
HK$25,771
baseline
▲ 0.50% · 4.625%
HK$27,339
+HK$1,568/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,542/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,979
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,702
−HK$734/mo
Today · 4.125%
HK$28,436
baseline
▲ 0.50% · 4.625%
HK$29,935
+HK$1,499/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,872/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,101
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,006
−HK$920/mo
Today · 4.125%
HK$30,926
baseline
▲ 0.50% · 4.625%
HK$32,807
+HK$1,881/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,852/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,374
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,242
−HK$881/mo
Today · 4.125%
HK$34,123
baseline
▲ 0.50% · 4.625%
HK$35,922
+HK$1,799/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,246/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,951
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,007
−HK$1,073/mo
Today · 4.125%
HK$36,080
baseline
▲ 0.50% · 4.625%
HK$38,275
+HK$2,195/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,160/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,770
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,783
−HK$1,028/mo
Today · 4.125%
HK$39,811
baseline
▲ 0.50% · 4.625%
HK$41,909
+HK$2,098/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,622/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,651
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$45,009
−HK$1,379/mo
Today · 4.125%
HK$46,388
baseline
▲ 0.50% · 4.625%
HK$49,211
+HK$2,823/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,776/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,561
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,864
−HK$1,321/mo
Today · 4.125%
HK$51,185
baseline
▲ 0.50% · 4.625%
HK$53,883
+HK$2,698/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,370/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,814 · Scale 2, in force from 26 Feb 2026)