LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,282
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,037
−HK$767/mo
Today · 4.125%
HK$25,804
baseline
▲ 0.50% · 4.625%
HK$27,374
+HK$1,570/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,608/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,013
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,737
−HK$735/mo
Today · 4.125%
HK$28,472
baseline
▲ 0.50% · 4.625%
HK$29,973
+HK$1,501/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,944/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,138
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,044
−HK$921/mo
Today · 4.125%
HK$30,965
baseline
▲ 0.50% · 4.625%
HK$32,849
+HK$1,884/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,930/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,416
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,285
−HK$882/mo
Today · 4.125%
HK$34,167
baseline
▲ 0.50% · 4.625%
HK$35,968
+HK$1,801/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,334/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,994
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,052
−HK$1,074/mo
Today · 4.125%
HK$36,126
baseline
▲ 0.50% · 4.625%
HK$38,324
+HK$2,198/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,252/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,818
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,832
−HK$1,029/mo
Today · 4.125%
HK$39,861
baseline
▲ 0.50% · 4.625%
HK$41,963
+HK$2,102/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,722/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,707
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,066
−HK$1,382/mo
Today · 4.125%
HK$46,448
baseline
▲ 0.50% · 4.625%
HK$49,274
+HK$2,826/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$92,896/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,623
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,927
−HK$1,323/mo
Today · 4.125%
HK$51,250
baseline
▲ 0.50% · 4.625%
HK$53,952
+HK$2,702/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,500/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,324 · Scale 2, in force from 26 Feb 2026)