LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,253
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,008
−HK$766/mo
Today · 4.125%
HK$25,774
baseline
▲ 0.50% · 4.625%
HK$27,342
+HK$1,568/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,548/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,981
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,705
−HK$734/mo
Today · 4.125%
HK$28,439
baseline
▲ 0.50% · 4.625%
HK$29,938
+HK$1,499/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,878/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,104
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,009
−HK$920/mo
Today · 4.125%
HK$30,929
baseline
▲ 0.50% · 4.625%
HK$32,811
+HK$1,882/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,858/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,378
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,246
−HK$881/mo
Today · 4.125%
HK$34,127
baseline
▲ 0.50% · 4.625%
HK$35,926
+HK$1,799/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,254/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,955
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,011
−HK$1,073/mo
Today · 4.125%
HK$36,084
baseline
▲ 0.50% · 4.625%
HK$38,279
+HK$2,195/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,168/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,774
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,787
−HK$1,028/mo
Today · 4.125%
HK$39,815
baseline
▲ 0.50% · 4.625%
HK$41,914
+HK$2,099/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,630/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,656
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$45,014
−HK$1,379/mo
Today · 4.125%
HK$46,393
baseline
▲ 0.50% · 4.625%
HK$49,216
+HK$2,823/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,786/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,567
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,869
−HK$1,322/mo
Today · 4.125%
HK$51,191
baseline
▲ 0.50% · 4.625%
HK$53,889
+HK$2,698/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,382/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,857 · Scale 2, in force from 26 Feb 2026)