LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,373
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,131
−HK$770/mo
Today · 4.125%
HK$25,901
baseline
▲ 0.50% · 4.625%
HK$27,477
+HK$1,576/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,802/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$400,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,114
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,842
−HK$737/mo
Today · 4.125%
HK$28,579
baseline
▲ 0.50% · 4.625%
HK$30,086
+HK$1,507/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,158/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$400,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,247
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,157
−HK$924/mo
Today · 4.125%
HK$31,081
baseline
▲ 0.50% · 4.625%
HK$32,973
+HK$1,892/mo
Deposit HK$4.28M · loan HK$6.41M · min. income ≈ HK$62,162/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,537
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,410
−HK$885/mo
Today · 4.125%
HK$34,295
baseline
▲ 0.50% · 4.625%
HK$36,103
+HK$1,808/mo
Deposit HK$4.28M · loan HK$6.41M · min. income ≈ HK$68,590/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,122
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,183
−HK$1,079/mo
Today · 4.125%
HK$36,262
baseline
▲ 0.50% · 4.625%
HK$38,468
+HK$2,206/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$72,524/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,960
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,978
−HK$1,033/mo
Today · 4.125%
HK$40,011
baseline
▲ 0.50% · 4.625%
HK$42,120
+HK$2,109/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$80,022/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,871
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,236
−HK$1,386/mo
Today · 4.125%
HK$46,622
baseline
▲ 0.50% · 4.625%
HK$49,459
+HK$2,837/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$93,244/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,806
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,115
−HK$1,328/mo
Today · 4.125%
HK$51,443
baseline
▲ 0.50% · 4.625%
HK$54,155
+HK$2,712/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$102,886/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,823 · Scale 2, in force from 26 Feb 2026)