LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,258
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,012
−HK$767/mo
Today · 4.125%
HK$25,779
baseline
▲ 0.50% · 4.625%
HK$27,348
+HK$1,569/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$398,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,987
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,710
−HK$735/mo
Today · 4.125%
HK$28,445
baseline
▲ 0.50% · 4.625%
HK$29,944
+HK$1,499/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,890/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,109
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,015
−HK$920/mo
Today · 4.125%
HK$30,935
baseline
▲ 0.50% · 4.625%
HK$32,817
+HK$1,882/mo
Deposit HK$4.26M · loan HK$6.38M · min. income ≈ HK$61,870/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,384
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,252
−HK$881/mo
Today · 4.125%
HK$34,133
baseline
▲ 0.50% · 4.625%
HK$35,933
+HK$1,800/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$398,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,961
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,017
−HK$1,074/mo
Today · 4.125%
HK$36,091
baseline
▲ 0.50% · 4.625%
HK$38,287
+HK$2,196/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,182/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,932 · 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$398,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,664
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$45,022
−HK$1,380/mo
Today · 4.125%
HK$46,402
baseline
▲ 0.50% · 4.625%
HK$49,226
+HK$2,824/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,804/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,576
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,879
−HK$1,321/mo
Today · 4.125%
HK$51,200
baseline
▲ 0.50% · 4.625%
HK$53,899
+HK$2,699/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,400/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,932 · Scale 2, in force from 26 Feb 2026)