LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,319
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,075
−HK$769/mo
Today · 4.125%
HK$25,844
baseline
▲ 0.50% · 4.625%
HK$27,416
+HK$1,572/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,688/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,055
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,780
−HK$736/mo
Today · 4.125%
HK$28,516
baseline
▲ 0.50% · 4.625%
HK$30,019
+HK$1,503/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$57,032/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,183
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,090
−HK$923/mo
Today · 4.125%
HK$31,013
baseline
▲ 0.50% · 4.625%
HK$32,900
+HK$1,887/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$62,026/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$399,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,465
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,336
−HK$884/mo
Today · 4.125%
HK$34,220
baseline
▲ 0.50% · 4.625%
HK$36,023
+HK$1,803/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$68,440/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$399,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,047
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,106
−HK$1,076/mo
Today · 4.125%
HK$36,182
baseline
▲ 0.50% · 4.625%
HK$38,383
+HK$2,201/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$72,364/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,876
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,892
−HK$1,031/mo
Today · 4.125%
HK$39,923
baseline
▲ 0.50% · 4.625%
HK$42,027
+HK$2,104/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,846/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,774
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,136
−HK$1,383/mo
Today · 4.125%
HK$46,519
baseline
▲ 0.50% · 4.625%
HK$49,350
+HK$2,831/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$93,038/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,698
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$50,004
−HK$1,325/mo
Today · 4.125%
HK$51,329
baseline
▲ 0.50% · 4.625%
HK$54,035
+HK$2,706/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$102,658/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,938 · Scale 2, in force from 26 Feb 2026)