LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,257
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,012
−HK$766/mo
Today · 4.125%
HK$25,778
baseline
▲ 0.50% · 4.625%
HK$27,347
+HK$1,569/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,556/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,986
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,709
−HK$735/mo
Today · 4.125%
HK$28,444
baseline
▲ 0.50% · 4.625%
HK$29,943
+HK$1,499/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,888/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,108
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,014
−HK$920/mo
Today · 4.125%
HK$30,934
baseline
▲ 0.50% · 4.625%
HK$32,816
+HK$1,882/mo
Deposit HK$4.26M · loan HK$6.38M · min. income ≈ HK$61,868/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,383
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,251
−HK$881/mo
Today · 4.125%
HK$34,132
baseline
▲ 0.50% · 4.625%
HK$35,932
+HK$1,800/mo
Deposit HK$4.26M · loan HK$6.38M · min. income ≈ HK$68,264/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,960
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,016
−HK$1,073/mo
Today · 4.125%
HK$36,089
baseline
▲ 0.50% · 4.625%
HK$38,285
+HK$2,196/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,178/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,780
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,793
−HK$1,028/mo
Today · 4.125%
HK$39,821
baseline
▲ 0.50% · 4.625%
HK$41,920
+HK$2,099/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,642/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,663
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$45,021
−HK$1,380/mo
Today · 4.125%
HK$46,401
baseline
▲ 0.50% · 4.625%
HK$49,224
+HK$2,823/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,802/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,574
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$49,877
−HK$1,322/mo
Today · 4.125%
HK$51,199
baseline
▲ 0.50% · 4.625%
HK$53,897
+HK$2,698/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,398/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,920 · Scale 2, in force from 26 Feb 2026)