LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,292
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,047
−HK$768/mo
Today · 4.125%
HK$25,815
baseline
▲ 0.50% · 4.625%
HK$27,386
+HK$1,571/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,630/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,024
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,749
−HK$735/mo
Today · 4.125%
HK$28,484
baseline
▲ 0.50% · 4.625%
HK$29,986
+HK$1,502/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$56,968/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,150
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,057
−HK$921/mo
Today · 4.125%
HK$30,978
baseline
▲ 0.50% · 4.625%
HK$32,863
+HK$1,885/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,956/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,429
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,299
−HK$882/mo
Today · 4.125%
HK$34,181
baseline
▲ 0.50% · 4.625%
HK$35,983
+HK$1,802/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,362/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,008
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,066
−HK$1,075/mo
Today · 4.125%
HK$36,141
baseline
▲ 0.50% · 4.625%
HK$38,340
+HK$2,199/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,282/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,834
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,848
−HK$1,030/mo
Today · 4.125%
HK$39,878
baseline
▲ 0.50% · 4.625%
HK$41,980
+HK$2,102/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,756/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,725
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$45,085
−HK$1,382/mo
Today · 4.125%
HK$46,467
baseline
▲ 0.50% · 4.625%
HK$49,294
+HK$2,827/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$92,934/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,643
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,948
−HK$1,323/mo
Today · 4.125%
HK$51,271
baseline
▲ 0.50% · 4.625%
HK$53,974
+HK$2,703/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$102,542/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,487 · Scale 2, in force from 26 Feb 2026)