LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,266
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,020
−HK$767/mo
Today · 4.125%
HK$25,787
baseline
▲ 0.50% · 4.625%
HK$27,356
+HK$1,569/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,574/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,995
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,719
−HK$735/mo
Today · 4.125%
HK$28,454
baseline
▲ 0.50% · 4.625%
HK$29,954
+HK$1,500/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,908/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,119
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,024
−HK$921/mo
Today · 4.125%
HK$30,945
baseline
▲ 0.50% · 4.625%
HK$32,828
+HK$1,883/mo
Deposit HK$4.26M · loan HK$6.38M · min. income ≈ HK$61,890/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,394
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,263
−HK$881/mo
Today · 4.125%
HK$34,144
baseline
▲ 0.50% · 4.625%
HK$35,944
+HK$1,800/mo
Deposit HK$4.26M · loan HK$6.38M · min. income ≈ HK$68,288/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,972
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,029
−HK$1,073/mo
Today · 4.125%
HK$36,102
baseline
▲ 0.50% · 4.625%
HK$38,299
+HK$2,197/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,204/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,793
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,807
−HK$1,028/mo
Today · 4.125%
HK$39,835
baseline
▲ 0.50% · 4.625%
HK$41,935
+HK$2,100/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,670/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,678
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$45,037
−HK$1,380/mo
Today · 4.125%
HK$46,417
baseline
▲ 0.50% · 4.625%
HK$49,241
+HK$2,824/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$92,834/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,591
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,895
−HK$1,322/mo
Today · 4.125%
HK$51,217
baseline
▲ 0.50% · 4.625%
HK$53,916
+HK$2,699/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,434/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,061 · Scale 2, in force from 26 Feb 2026)