LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,309
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,065
−HK$769/mo
Today · 4.125%
HK$25,834
baseline
▲ 0.50% · 4.625%
HK$27,405
+HK$1,571/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,668/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,044
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,769
−HK$736/mo
Today · 4.125%
HK$28,505
baseline
▲ 0.50% · 4.625%
HK$30,007
+HK$1,502/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$57,010/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,171
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,078
−HK$922/mo
Today · 4.125%
HK$31,000
baseline
▲ 0.50% · 4.625%
HK$32,887
+HK$1,887/mo
Deposit HK$4.26M · loan HK$6.40M · min. income ≈ HK$62,000/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,452
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,323
−HK$883/mo
Today · 4.125%
HK$34,206
baseline
▲ 0.50% · 4.625%
HK$36,009
+HK$1,803/mo
Deposit HK$4.26M · loan HK$6.40M · min. income ≈ HK$68,412/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,033
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,091
−HK$1,076/mo
Today · 4.125%
HK$36,167
baseline
▲ 0.50% · 4.625%
HK$38,368
+HK$2,201/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,334/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,861
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,877
−HK$1,030/mo
Today · 4.125%
HK$39,907
baseline
▲ 0.50% · 4.625%
HK$42,010
+HK$2,103/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,814/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,757
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,118
−HK$1,382/mo
Today · 4.125%
HK$46,500
baseline
▲ 0.50% · 4.625%
HK$49,330
+HK$2,830/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$93,000/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,679
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,984
−HK$1,325/mo
Today · 4.125%
HK$51,309
baseline
▲ 0.50% · 4.625%
HK$54,013
+HK$2,704/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$102,618/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,777 · Scale 2, in force from 26 Feb 2026)