LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,361
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,118
−HK$770/mo
Today · 4.125%
HK$25,888
baseline
▲ 0.50% · 4.625%
HK$27,463
+HK$1,575/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,776/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,101
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,828
−HK$737/mo
Today · 4.125%
HK$28,565
baseline
▲ 0.50% · 4.625%
HK$30,071
+HK$1,506/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,130/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,233
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,142
−HK$924/mo
Today · 4.125%
HK$31,066
baseline
▲ 0.50% · 4.625%
HK$32,956
+HK$1,890/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$62,132/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,521
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,393
−HK$885/mo
Today · 4.125%
HK$34,278
baseline
▲ 0.50% · 4.625%
HK$36,085
+HK$1,807/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$68,556/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,105
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,166
−HK$1,078/mo
Today · 4.125%
HK$36,244
baseline
▲ 0.50% · 4.625%
HK$38,449
+HK$2,205/mo
Deposit HK$3.20M · loan HK$7.48M · min. income ≈ HK$72,488/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,941
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,959
−HK$1,032/mo
Today · 4.125%
HK$39,991
baseline
▲ 0.50% · 4.625%
HK$42,099
+HK$2,108/mo
Deposit HK$3.20M · loan HK$7.48M · min. income ≈ HK$79,982/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,849
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$45,213
−HK$1,386/mo
Today · 4.125%
HK$46,599
baseline
▲ 0.50% · 4.625%
HK$49,434
+HK$2,835/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$93,198/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,782
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,090
−HK$1,327/mo
Today · 4.125%
HK$51,417
baseline
▲ 0.50% · 4.625%
HK$54,128
+HK$2,711/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$102,834/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,624 · Scale 2, in force from 26 Feb 2026)