LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,266
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,021
−HK$767/mo
Today · 4.125%
HK$25,788
baseline
▲ 0.50% · 4.625%
HK$27,357
+HK$1,569/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,576/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,996
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,720
−HK$735/mo
Today · 4.125%
HK$28,455
baseline
▲ 0.50% · 4.625%
HK$29,954
+HK$1,499/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,910/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,120
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,025
−HK$921/mo
Today · 4.125%
HK$30,946
baseline
▲ 0.50% · 4.625%
HK$32,829
+HK$1,883/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,892/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,395
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,264
−HK$882/mo
Today · 4.125%
HK$34,146
baseline
▲ 0.50% · 4.625%
HK$35,945
+HK$1,799/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,292/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,973
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,030
−HK$1,073/mo
Today · 4.125%
HK$36,103
baseline
▲ 0.50% · 4.625%
HK$38,300
+HK$2,197/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,206/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,795
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,808
−HK$1,028/mo
Today · 4.125%
HK$39,836
baseline
▲ 0.50% · 4.625%
HK$41,936
+HK$2,100/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,672/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,679
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,038
−HK$1,381/mo
Today · 4.125%
HK$46,419
baseline
▲ 0.50% · 4.625%
HK$49,243
+HK$2,824/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$92,838/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,593
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$49,896
−HK$1,322/mo
Today · 4.125%
HK$51,218
baseline
▲ 0.50% · 4.625%
HK$53,918
+HK$2,700/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,436/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,073 · Scale 2, in force from 26 Feb 2026)