LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,282
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,038
−HK$767/mo
Today · 4.125%
HK$25,805
baseline
▲ 0.50% · 4.625%
HK$27,375
+HK$1,570/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,610/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,014
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,738
−HK$735/mo
Today · 4.125%
HK$28,473
baseline
▲ 0.50% · 4.625%
HK$29,974
+HK$1,501/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,946/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,139
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,045
−HK$921/mo
Today · 4.125%
HK$30,966
baseline
▲ 0.50% · 4.625%
HK$32,850
+HK$1,884/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,932/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,417
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,286
−HK$882/mo
Today · 4.125%
HK$34,168
baseline
▲ 0.50% · 4.625%
HK$35,969
+HK$1,801/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,336/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,995
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,053
−HK$1,074/mo
Today · 4.125%
HK$36,127
baseline
▲ 0.50% · 4.625%
HK$38,325
+HK$2,198/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,254/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,819
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,834
−HK$1,029/mo
Today · 4.125%
HK$39,863
baseline
▲ 0.50% · 4.625%
HK$41,964
+HK$2,101/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,726/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,708
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,068
−HK$1,381/mo
Today · 4.125%
HK$46,449
baseline
▲ 0.50% · 4.625%
HK$49,275
+HK$2,826/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$92,898/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,625
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,929
−HK$1,323/mo
Today · 4.125%
HK$51,252
baseline
▲ 0.50% · 4.625%
HK$53,954
+HK$2,702/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,504/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,336 · Scale 2, in force from 26 Feb 2026)