LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,305
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,062
−HK$768/mo
Today · 4.125%
HK$25,830
baseline
▲ 0.50% · 4.625%
HK$27,401
+HK$1,571/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,660/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,040
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,765
−HK$735/mo
Today · 4.125%
HK$28,500
baseline
▲ 0.50% · 4.625%
HK$30,003
+HK$1,503/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$57,000/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,167
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,074
−HK$922/mo
Today · 4.125%
HK$30,996
baseline
▲ 0.50% · 4.625%
HK$32,882
+HK$1,886/mo
Deposit HK$4.26M · loan HK$6.40M · min. income ≈ HK$61,992/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,448
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,318
−HK$883/mo
Today · 4.125%
HK$34,201
baseline
▲ 0.50% · 4.625%
HK$36,003
+HK$1,802/mo
Deposit HK$4.26M · loan HK$6.40M · min. income ≈ HK$68,402/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,028
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,086
−HK$1,076/mo
Today · 4.125%
HK$36,162
baseline
▲ 0.50% · 4.625%
HK$38,362
+HK$2,200/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,324/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,855
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,871
−HK$1,030/mo
Today · 4.125%
HK$39,901
baseline
▲ 0.50% · 4.625%
HK$42,004
+HK$2,103/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,802/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,750
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,111
−HK$1,382/mo
Today · 4.125%
HK$46,493
baseline
▲ 0.50% · 4.625%
HK$49,322
+HK$2,829/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$92,986/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,671
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,977
−HK$1,324/mo
Today · 4.125%
HK$51,301
baseline
▲ 0.50% · 4.625%
HK$54,005
+HK$2,704/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$102,602/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,717 · Scale 2, in force from 26 Feb 2026)