LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,255
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,009
−HK$767/mo
Today · 4.125%
HK$25,776
baseline
▲ 0.50% · 4.625%
HK$27,344
+HK$1,568/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,552/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,983
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,707
−HK$734/mo
Today · 4.125%
HK$28,441
baseline
▲ 0.50% · 4.625%
HK$29,940
+HK$1,499/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,882/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,106
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,011
−HK$920/mo
Today · 4.125%
HK$30,931
baseline
▲ 0.50% · 4.625%
HK$32,813
+HK$1,882/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,862/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,380
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,248
−HK$881/mo
Today · 4.125%
HK$34,129
baseline
▲ 0.50% · 4.625%
HK$35,928
+HK$1,799/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,258/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,957
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,013
−HK$1,073/mo
Today · 4.125%
HK$36,086
baseline
▲ 0.50% · 4.625%
HK$38,282
+HK$2,196/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,172/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,777
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,790
−HK$1,027/mo
Today · 4.125%
HK$39,817
baseline
▲ 0.50% · 4.625%
HK$41,916
+HK$2,099/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,634/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,659
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$45,017
−HK$1,379/mo
Today · 4.125%
HK$46,396
baseline
▲ 0.50% · 4.625%
HK$49,220
+HK$2,824/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,792/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,570
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,872
−HK$1,322/mo
Today · 4.125%
HK$51,194
baseline
▲ 0.50% · 4.625%
HK$53,892
+HK$2,698/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,388/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,883 · Scale 2, in force from 26 Feb 2026)