LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,281
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,036
−HK$767/mo
Today · 4.125%
HK$25,803
baseline
▲ 0.50% · 4.625%
HK$27,373
+HK$1,570/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,606/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,012
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,736
−HK$735/mo
Today · 4.125%
HK$28,471
baseline
▲ 0.50% · 4.625%
HK$29,972
+HK$1,501/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,942/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,137
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,043
−HK$921/mo
Today · 4.125%
HK$30,964
baseline
▲ 0.50% · 4.625%
HK$32,848
+HK$1,884/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,928/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,414
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,284
−HK$881/mo
Today · 4.125%
HK$34,165
baseline
▲ 0.50% · 4.625%
HK$35,966
+HK$1,801/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,330/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,993
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,050
−HK$1,074/mo
Today · 4.125%
HK$36,124
baseline
▲ 0.50% · 4.625%
HK$38,322
+HK$2,198/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,248/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,817
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,831
−HK$1,029/mo
Today · 4.125%
HK$39,860
baseline
▲ 0.50% · 4.625%
HK$41,961
+HK$2,101/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,720/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,705
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,064
−HK$1,382/mo
Today · 4.125%
HK$46,446
baseline
▲ 0.50% · 4.625%
HK$49,272
+HK$2,826/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$92,892/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,621
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,925
−HK$1,323/mo
Today · 4.125%
HK$51,248
baseline
▲ 0.50% · 4.625%
HK$53,950
+HK$2,702/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,496/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,306 · Scale 2, in force from 26 Feb 2026)