LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,257
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,012
−HK$767/mo
Today · 4.125%
HK$25,779
baseline
▲ 0.50% · 4.625%
HK$27,347
+HK$1,568/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,558/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,986
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,710
−HK$734/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$398,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,109
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,014
−HK$920/mo
Today · 4.125%
HK$30,934
baseline
▲ 0.50% · 4.625%
HK$32,817
+HK$1,883/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$398,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,383
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,252
−HK$881/mo
Today · 4.125%
HK$34,133
baseline
▲ 0.50% · 4.625%
HK$35,932
+HK$1,799/mo
Deposit HK$4.26M · loan HK$6.38M · min. income ≈ HK$68,266/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,960
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,017
−HK$1,073/mo
Today · 4.125%
HK$36,090
baseline
▲ 0.50% · 4.625%
HK$38,286
+HK$2,196/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,180/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,781
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,794
−HK$1,028/mo
Today · 4.125%
HK$39,822
baseline
▲ 0.50% · 4.625%
HK$41,921
+HK$2,099/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,644/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,663
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$45,022
−HK$1,379/mo
Today · 4.125%
HK$46,401
baseline
▲ 0.50% · 4.625%
HK$49,225
+HK$2,824/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$398,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,575
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,878
−HK$1,321/mo
Today · 4.125%
HK$51,199
baseline
▲ 0.50% · 4.625%
HK$53,898
+HK$2,699/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$398,927 · Scale 2, in force from 26 Feb 2026)