LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,261
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,015
−HK$767/mo
Today · 4.125%
HK$25,782
baseline
▲ 0.50% · 4.625%
HK$27,351
+HK$1,569/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,564/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,990
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,714
−HK$734/mo
Today · 4.125%
HK$28,448
baseline
▲ 0.50% · 4.625%
HK$29,947
+HK$1,499/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,896/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,113
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,018
−HK$920/mo
Today · 4.125%
HK$30,938
baseline
▲ 0.50% · 4.625%
HK$32,821
+HK$1,883/mo
Deposit HK$4.26M · loan HK$6.38M · min. income ≈ HK$61,876/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,388
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,256
−HK$882/mo
Today · 4.125%
HK$34,138
baseline
▲ 0.50% · 4.625%
HK$35,937
+HK$1,799/mo
Deposit HK$4.26M · loan HK$6.38M · min. income ≈ HK$68,276/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,965
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,021
−HK$1,074/mo
Today · 4.125%
HK$36,095
baseline
▲ 0.50% · 4.625%
HK$38,291
+HK$2,196/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,190/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,786
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,799
−HK$1,028/mo
Today · 4.125%
HK$39,827
baseline
▲ 0.50% · 4.625%
HK$41,926
+HK$2,099/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,654/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,669
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$45,028
−HK$1,380/mo
Today · 4.125%
HK$46,408
baseline
▲ 0.50% · 4.625%
HK$49,231
+HK$2,823/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$92,816/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,582
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,884
−HK$1,322/mo
Today · 4.125%
HK$51,206
baseline
▲ 0.50% · 4.625%
HK$53,905
+HK$2,699/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,412/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,980 · Scale 2, in force from 26 Feb 2026)