LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,275
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,030
−HK$767/mo
Today · 4.125%
HK$25,797
baseline
▲ 0.50% · 4.625%
HK$27,367
+HK$1,570/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,594/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,005
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,730
−HK$734/mo
Today · 4.125%
HK$28,464
baseline
▲ 0.50% · 4.625%
HK$29,965
+HK$1,501/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,928/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,130
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,036
−HK$920/mo
Today · 4.125%
HK$30,956
baseline
▲ 0.50% · 4.625%
HK$32,840
+HK$1,884/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,912/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,406
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,275
−HK$882/mo
Today · 4.125%
HK$34,157
baseline
▲ 0.50% · 4.625%
HK$35,958
+HK$1,801/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,314/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,984
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,042
−HK$1,074/mo
Today · 4.125%
HK$36,116
baseline
▲ 0.50% · 4.625%
HK$38,313
+HK$2,197/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,232/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,807
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,821
−HK$1,029/mo
Today · 4.125%
HK$39,850
baseline
▲ 0.50% · 4.625%
HK$41,951
+HK$2,101/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,700/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,694
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,053
−HK$1,381/mo
Today · 4.125%
HK$46,434
baseline
▲ 0.50% · 4.625%
HK$49,260
+HK$2,826/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$92,868/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,610
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,913
−HK$1,323/mo
Today · 4.125%
HK$51,236
baseline
▲ 0.50% · 4.625%
HK$53,936
+HK$2,700/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,472/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,210 · Scale 2, in force from 26 Feb 2026)