LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,274
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,029
−HK$767/mo
Today · 4.125%
HK$25,796
baseline
▲ 0.50% · 4.625%
HK$27,366
+HK$1,570/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,592/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,004
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,728
−HK$735/mo
Today · 4.125%
HK$28,463
baseline
▲ 0.50% · 4.625%
HK$29,964
+HK$1,501/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,926/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,128
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,035
−HK$920/mo
Today · 4.125%
HK$30,955
baseline
▲ 0.50% · 4.625%
HK$32,839
+HK$1,884/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,910/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,405
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,274
−HK$882/mo
Today · 4.125%
HK$34,156
baseline
▲ 0.50% · 4.625%
HK$35,956
+HK$1,800/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,312/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,983
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,040
−HK$1,074/mo
Today · 4.125%
HK$36,114
baseline
▲ 0.50% · 4.625%
HK$38,312
+HK$2,198/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,228/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,806
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,820
−HK$1,029/mo
Today · 4.125%
HK$39,849
baseline
▲ 0.50% · 4.625%
HK$41,949
+HK$2,100/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,698/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,693
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,052
−HK$1,381/mo
Today · 4.125%
HK$46,433
baseline
▲ 0.50% · 4.625%
HK$49,258
+HK$2,825/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$92,866/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,608
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,911
−HK$1,323/mo
Today · 4.125%
HK$51,234
baseline
▲ 0.50% · 4.625%
HK$53,934
+HK$2,700/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,468/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,194 · Scale 2, in force from 26 Feb 2026)