LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,284
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,039
−HK$768/mo
Today · 4.125%
HK$25,807
baseline
▲ 0.50% · 4.625%
HK$27,377
+HK$1,570/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,614/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,016
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,740
−HK$735/mo
Today · 4.125%
HK$28,475
baseline
▲ 0.50% · 4.625%
HK$29,976
+HK$1,501/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,950/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,141
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,047
−HK$921/mo
Today · 4.125%
HK$30,968
baseline
▲ 0.50% · 4.625%
HK$32,853
+HK$1,885/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,936/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,419
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,288
−HK$882/mo
Today · 4.125%
HK$34,170
baseline
▲ 0.50% · 4.625%
HK$35,972
+HK$1,802/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,340/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,998
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,055
−HK$1,075/mo
Today · 4.125%
HK$36,130
baseline
▲ 0.50% · 4.625%
HK$38,328
+HK$2,198/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,260/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,822
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,836
−HK$1,030/mo
Today · 4.125%
HK$39,866
baseline
▲ 0.50% · 4.625%
HK$41,967
+HK$2,101/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,732/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,711
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,071
−HK$1,381/mo
Today · 4.125%
HK$46,452
baseline
▲ 0.50% · 4.625%
HK$49,279
+HK$2,827/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$92,904/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,628
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,933
−HK$1,323/mo
Today · 4.125%
HK$51,256
baseline
▲ 0.50% · 4.625%
HK$53,957
+HK$2,701/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,512/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,365 · Scale 2, in force from 26 Feb 2026)