LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,272
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,028
−HK$767/mo
Today · 4.125%
HK$25,795
baseline
▲ 0.50% · 4.625%
HK$27,364
+HK$1,569/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,590/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,003
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,727
−HK$735/mo
Today · 4.125%
HK$28,462
baseline
▲ 0.50% · 4.625%
HK$29,962
+HK$1,500/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,924/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,127
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,033
−HK$921/mo
Today · 4.125%
HK$30,954
baseline
▲ 0.50% · 4.625%
HK$32,837
+HK$1,883/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,908/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,403
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,273
−HK$881/mo
Today · 4.125%
HK$34,154
baseline
▲ 0.50% · 4.625%
HK$35,954
+HK$1,800/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,308/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,981
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,039
−HK$1,073/mo
Today · 4.125%
HK$36,112
baseline
▲ 0.50% · 4.625%
HK$38,310
+HK$2,198/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,224/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,804
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,818
−HK$1,029/mo
Today · 4.125%
HK$39,847
baseline
▲ 0.50% · 4.625%
HK$41,947
+HK$2,100/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,694/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,690
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,050
−HK$1,380/mo
Today · 4.125%
HK$46,430
baseline
▲ 0.50% · 4.625%
HK$49,255
+HK$2,825/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$92,860/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,605
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,909
−HK$1,322/mo
Today · 4.125%
HK$51,231
baseline
▲ 0.50% · 4.625%
HK$53,932
+HK$2,701/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,462/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,174 · Scale 2, in force from 26 Feb 2026)