LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,270
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,025
−HK$767/mo
Today · 4.125%
HK$25,792
baseline
▲ 0.50% · 4.625%
HK$27,361
+HK$1,569/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,584/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,000
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,724
−HK$735/mo
Today · 4.125%
HK$28,459
baseline
▲ 0.50% · 4.625%
HK$29,959
+HK$1,500/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,918/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,124
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,030
−HK$920/mo
Today · 4.125%
HK$30,950
baseline
▲ 0.50% · 4.625%
HK$32,833
+HK$1,883/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,900/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,400
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,269
−HK$881/mo
Today · 4.125%
HK$34,150
baseline
▲ 0.50% · 4.625%
HK$35,950
+HK$1,800/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,300/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,978
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,035
−HK$1,073/mo
Today · 4.125%
HK$36,108
baseline
▲ 0.50% · 4.625%
HK$38,305
+HK$2,197/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,216/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,800
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,814
−HK$1,028/mo
Today · 4.125%
HK$39,842
baseline
▲ 0.50% · 4.625%
HK$41,942
+HK$2,100/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,684/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,686
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$45,044
−HK$1,381/mo
Today · 4.125%
HK$46,425
baseline
▲ 0.50% · 4.625%
HK$49,250
+HK$2,825/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$92,850/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,600
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$49,903
−HK$1,322/mo
Today · 4.125%
HK$51,225
baseline
▲ 0.50% · 4.625%
HK$53,926
+HK$2,701/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,450/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,129 · Scale 2, in force from 26 Feb 2026)