LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,370
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,128
−HK$771/mo
Today · 4.125%
HK$25,899
baseline
▲ 0.50% · 4.625%
HK$27,475
+HK$1,576/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,798/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,112
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,839
−HK$738/mo
Today · 4.125%
HK$28,577
baseline
▲ 0.50% · 4.625%
HK$30,083
+HK$1,506/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,154/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,245
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,154
−HK$924/mo
Today · 4.125%
HK$31,078
baseline
▲ 0.50% · 4.625%
HK$32,969
+HK$1,891/mo
Deposit HK$4.28M · loan HK$6.41M · min. income ≈ HK$62,156/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,534
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,407
−HK$885/mo
Today · 4.125%
HK$34,292
baseline
▲ 0.50% · 4.625%
HK$36,100
+HK$1,808/mo
Deposit HK$4.28M · loan HK$6.41M · min. income ≈ HK$68,584/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,119
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,180
−HK$1,078/mo
Today · 4.125%
HK$36,258
baseline
▲ 0.50% · 4.625%
HK$38,464
+HK$2,206/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$72,516/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,957
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,975
−HK$1,032/mo
Today · 4.125%
HK$40,007
baseline
▲ 0.50% · 4.625%
HK$42,116
+HK$2,109/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$80,014/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,867
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,231
−HK$1,387/mo
Today · 4.125%
HK$46,618
baseline
▲ 0.50% · 4.625%
HK$49,454
+HK$2,836/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$93,236/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,801
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,110
−HK$1,328/mo
Today · 4.125%
HK$51,438
baseline
▲ 0.50% · 4.625%
HK$54,149
+HK$2,711/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$102,876/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,785 · Scale 2, in force from 26 Feb 2026)