LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,256
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,011
−HK$766/mo
Today · 4.125%
HK$25,777
baseline
▲ 0.50% · 4.625%
HK$27,346
+HK$1,569/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,554/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,985
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,709
−HK$734/mo
Today · 4.125%
HK$28,443
baseline
▲ 0.50% · 4.625%
HK$29,942
+HK$1,499/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,886/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,107
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,013
−HK$920/mo
Today · 4.125%
HK$30,933
baseline
▲ 0.50% · 4.625%
HK$32,815
+HK$1,882/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,866/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,382
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,250
−HK$881/mo
Today · 4.125%
HK$34,131
baseline
▲ 0.50% · 4.625%
HK$35,930
+HK$1,799/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,262/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,959
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,015
−HK$1,073/mo
Today · 4.125%
HK$36,088
baseline
▲ 0.50% · 4.625%
HK$38,284
+HK$2,196/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,176/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,779
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,792
−HK$1,028/mo
Today · 4.125%
HK$39,820
baseline
▲ 0.50% · 4.625%
HK$41,919
+HK$2,099/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,640/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,661
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$45,019
−HK$1,380/mo
Today · 4.125%
HK$46,399
baseline
▲ 0.50% · 4.625%
HK$49,222
+HK$2,823/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,798/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,573
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,875
−HK$1,322/mo
Today · 4.125%
HK$51,197
baseline
▲ 0.50% · 4.625%
HK$53,896
+HK$2,699/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,394/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,906 · Scale 2, in force from 26 Feb 2026)