LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,315
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,071
−HK$769/mo
Today · 4.125%
HK$25,840
baseline
▲ 0.50% · 4.625%
HK$27,412
+HK$1,572/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,680/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,050
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,775
−HK$736/mo
Today · 4.125%
HK$28,511
baseline
▲ 0.50% · 4.625%
HK$30,014
+HK$1,503/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$57,022/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,178
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,085
−HK$923/mo
Today · 4.125%
HK$31,008
baseline
▲ 0.50% · 4.625%
HK$32,894
+HK$1,886/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$62,016/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$399,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,460
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,331
−HK$883/mo
Today · 4.125%
HK$34,214
baseline
▲ 0.50% · 4.625%
HK$36,017
+HK$1,803/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$68,428/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$399,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,041
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,100
−HK$1,075/mo
Today · 4.125%
HK$36,175
baseline
▲ 0.50% · 4.625%
HK$38,377
+HK$2,202/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,350/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,870
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,886
−HK$1,030/mo
Today · 4.125%
HK$39,916
baseline
▲ 0.50% · 4.625%
HK$42,020
+HK$2,104/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,832/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,767
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$45,128
−HK$1,383/mo
Today · 4.125%
HK$46,511
baseline
▲ 0.50% · 4.625%
HK$49,341
+HK$2,830/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$93,022/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,690
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$49,996
−HK$1,325/mo
Today · 4.125%
HK$51,321
baseline
▲ 0.50% · 4.625%
HK$54,026
+HK$2,705/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$102,642/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,870 · Scale 2, in force from 26 Feb 2026)