LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,264
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,019
−HK$766/mo
Today · 4.125%
HK$25,785
baseline
▲ 0.50% · 4.625%
HK$27,354
+HK$1,569/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,570/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,993
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,717
−HK$735/mo
Today · 4.125%
HK$28,452
baseline
▲ 0.50% · 4.625%
HK$29,951
+HK$1,499/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,904/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,117
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,022
−HK$921/mo
Today · 4.125%
HK$30,943
baseline
▲ 0.50% · 4.625%
HK$32,825
+HK$1,882/mo
Deposit HK$4.26M · loan HK$6.38M · min. income ≈ HK$61,886/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,392
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,261
−HK$881/mo
Today · 4.125%
HK$34,142
baseline
▲ 0.50% · 4.625%
HK$35,942
+HK$1,800/mo
Deposit HK$4.26M · loan HK$6.38M · min. income ≈ HK$68,284/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,970
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,026
−HK$1,074/mo
Today · 4.125%
HK$36,100
baseline
▲ 0.50% · 4.625%
HK$38,296
+HK$2,196/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,200/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,791
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,804
−HK$1,028/mo
Today · 4.125%
HK$39,832
baseline
▲ 0.50% · 4.625%
HK$41,932
+HK$2,100/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,664/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,675
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$45,034
−HK$1,380/mo
Today · 4.125%
HK$46,414
baseline
▲ 0.50% · 4.625%
HK$49,238
+HK$2,824/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$92,828/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,588
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$49,891
−HK$1,322/mo
Today · 4.125%
HK$51,213
baseline
▲ 0.50% · 4.625%
HK$53,913
+HK$2,700/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,426/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,033 · Scale 2, in force from 26 Feb 2026)