LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,283
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,038
−HK$767/mo
Today · 4.125%
HK$25,805
baseline
▲ 0.50% · 4.625%
HK$27,376
+HK$1,571/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$399,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,014
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,739
−HK$735/mo
Today · 4.125%
HK$28,474
baseline
▲ 0.50% · 4.625%
HK$29,975
+HK$1,501/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,948/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,139
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,046
−HK$921/mo
Today · 4.125%
HK$30,967
baseline
▲ 0.50% · 4.625%
HK$32,851
+HK$1,884/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,934/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,417
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,287
−HK$882/mo
Today · 4.125%
HK$34,169
baseline
▲ 0.50% · 4.625%
HK$35,970
+HK$1,801/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,338/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,996
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,053
−HK$1,075/mo
Today · 4.125%
HK$36,128
baseline
▲ 0.50% · 4.625%
HK$38,326
+HK$2,198/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,256/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,820
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,834
−HK$1,029/mo
Today · 4.125%
HK$39,863
baseline
▲ 0.50% · 4.625%
HK$41,965
+HK$2,102/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$399,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,709
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,068
−HK$1,382/mo
Today · 4.125%
HK$46,450
baseline
▲ 0.50% · 4.625%
HK$49,276
+HK$2,826/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$92,900/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,626
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,930
−HK$1,323/mo
Today · 4.125%
HK$51,253
baseline
▲ 0.50% · 4.625%
HK$53,954
+HK$2,701/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,506/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,342 · Scale 2, in force from 26 Feb 2026)