LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,320
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,076
−HK$769/mo
Today · 4.125%
HK$25,845
baseline
▲ 0.50% · 4.625%
HK$27,417
+HK$1,572/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,690/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,055
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,781
−HK$736/mo
Today · 4.125%
HK$28,517
baseline
▲ 0.50% · 4.625%
HK$30,020
+HK$1,503/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$57,034/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,184
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,091
−HK$923/mo
Today · 4.125%
HK$31,014
baseline
▲ 0.50% · 4.625%
HK$32,901
+HK$1,887/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$62,028/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$399,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,466
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,337
−HK$884/mo
Today · 4.125%
HK$34,221
baseline
▲ 0.50% · 4.625%
HK$36,024
+HK$1,803/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$68,442/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$399,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,048
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,107
−HK$1,076/mo
Today · 4.125%
HK$36,183
baseline
▲ 0.50% · 4.625%
HK$38,384
+HK$2,201/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$72,366/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,878
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,893
−HK$1,031/mo
Today · 4.125%
HK$39,924
baseline
▲ 0.50% · 4.625%
HK$42,028
+HK$2,104/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,848/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,775
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,137
−HK$1,383/mo
Today · 4.125%
HK$46,520
baseline
▲ 0.50% · 4.625%
HK$49,351
+HK$2,831/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$93,040/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,700
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$50,006
−HK$1,325/mo
Today · 4.125%
HK$51,331
baseline
▲ 0.50% · 4.625%
HK$54,036
+HK$2,705/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$102,662/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,950 · Scale 2, in force from 26 Feb 2026)