LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,267
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,022
−HK$766/mo
Today · 4.125%
HK$25,788
baseline
▲ 0.50% · 4.625%
HK$27,358
+HK$1,570/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$399,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,996
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,721
−HK$734/mo
Today · 4.125%
HK$28,455
baseline
▲ 0.50% · 4.625%
HK$29,955
+HK$1,500/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$399,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,120
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,026
−HK$920/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$399,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,396
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,265
−HK$881/mo
Today · 4.125%
HK$34,146
baseline
▲ 0.50% · 4.625%
HK$35,946
+HK$1,800/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$399,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,973
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,030
−HK$1,074/mo
Today · 4.125%
HK$36,104
baseline
▲ 0.50% · 4.625%
HK$38,301
+HK$2,197/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,208/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,795
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,809
−HK$1,028/mo
Today · 4.125%
HK$39,837
baseline
▲ 0.50% · 4.625%
HK$41,937
+HK$2,100/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,674/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,680
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$45,039
−HK$1,380/mo
Today · 4.125%
HK$46,419
baseline
▲ 0.50% · 4.625%
HK$49,244
+HK$2,825/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$399,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,594
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$49,897
−HK$1,322/mo
Today · 4.125%
HK$51,219
baseline
▲ 0.50% · 4.625%
HK$53,919
+HK$2,700/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,438/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,079 · Scale 2, in force from 26 Feb 2026)