LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,284
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,040
−HK$767/mo
Today · 4.125%
HK$25,807
baseline
▲ 0.50% · 4.625%
HK$27,378
+HK$1,571/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$399,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,016
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,741
−HK$735/mo
Today · 4.125%
HK$28,476
baseline
▲ 0.50% · 4.625%
HK$29,977
+HK$1,501/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,952/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,141
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,048
−HK$921/mo
Today · 4.125%
HK$30,969
baseline
▲ 0.50% · 4.625%
HK$32,853
+HK$1,884/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,938/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,420
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,289
−HK$882/mo
Today · 4.125%
HK$34,171
baseline
▲ 0.50% · 4.625%
HK$35,972
+HK$1,801/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,342/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,998
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,056
−HK$1,074/mo
Today · 4.125%
HK$36,130
baseline
▲ 0.50% · 4.625%
HK$38,329
+HK$2,199/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$399,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,823
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,837
−HK$1,029/mo
Today · 4.125%
HK$39,866
baseline
▲ 0.50% · 4.625%
HK$41,968
+HK$2,102/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$399,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,712
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,072
−HK$1,381/mo
Today · 4.125%
HK$46,453
baseline
▲ 0.50% · 4.625%
HK$49,280
+HK$2,827/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$92,906/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,629
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,933
−HK$1,324/mo
Today · 4.125%
HK$51,257
baseline
▲ 0.50% · 4.625%
HK$53,958
+HK$2,701/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,514/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,372 · Scale 2, in force from 26 Feb 2026)