LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,303
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,059
−HK$768/mo
Today · 4.125%
HK$25,827
baseline
▲ 0.50% · 4.625%
HK$27,399
+HK$1,572/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,654/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,037
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,762
−HK$736/mo
Today · 4.125%
HK$28,498
baseline
▲ 0.50% · 4.625%
HK$30,000
+HK$1,502/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$56,996/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,164
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,071
−HK$922/mo
Today · 4.125%
HK$30,993
baseline
▲ 0.50% · 4.625%
HK$32,879
+HK$1,886/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,986/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,445
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,315
−HK$883/mo
Today · 4.125%
HK$34,198
baseline
▲ 0.50% · 4.625%
HK$36,000
+HK$1,802/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,396/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,025
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,083
−HK$1,075/mo
Today · 4.125%
HK$36,158
baseline
▲ 0.50% · 4.625%
HK$38,359
+HK$2,201/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,316/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,852
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,867
−HK$1,030/mo
Today · 4.125%
HK$39,897
baseline
▲ 0.50% · 4.625%
HK$42,000
+HK$2,103/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,794/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,746
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,107
−HK$1,382/mo
Today · 4.125%
HK$46,489
baseline
▲ 0.50% · 4.625%
HK$49,318
+HK$2,829/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$92,978/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,667
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,972
−HK$1,324/mo
Today · 4.125%
HK$51,296
baseline
▲ 0.50% · 4.625%
HK$54,000
+HK$2,704/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$102,592/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,682 · Scale 2, in force from 26 Feb 2026)