LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,375
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,133
−HK$770/mo
Today · 4.125%
HK$25,903
baseline
▲ 0.50% · 4.625%
HK$27,480
+HK$1,577/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,806/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$400,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,117
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,844
−HK$738/mo
Today · 4.125%
HK$28,582
baseline
▲ 0.50% · 4.625%
HK$30,088
+HK$1,506/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,164/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$400,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,250
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,160
−HK$924/mo
Today · 4.125%
HK$31,084
baseline
▲ 0.50% · 4.625%
HK$32,976
+HK$1,892/mo
Deposit HK$4.28M · loan HK$6.41M · min. income ≈ HK$62,168/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,540
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,413
−HK$885/mo
Today · 4.125%
HK$34,298
baseline
▲ 0.50% · 4.625%
HK$36,106
+HK$1,808/mo
Deposit HK$4.28M · loan HK$6.41M · min. income ≈ HK$68,596/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,125
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,186
−HK$1,079/mo
Today · 4.125%
HK$36,265
baseline
▲ 0.50% · 4.625%
HK$38,471
+HK$2,206/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$72,530/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,964
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,982
−HK$1,033/mo
Today · 4.125%
HK$40,015
baseline
▲ 0.50% · 4.625%
HK$42,124
+HK$2,109/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$80,030/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,875
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,240
−HK$1,386/mo
Today · 4.125%
HK$46,626
baseline
▲ 0.50% · 4.625%
HK$49,463
+HK$2,837/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$93,252/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,810
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,119
−HK$1,328/mo
Today · 4.125%
HK$51,447
baseline
▲ 0.50% · 4.625%
HK$54,159
+HK$2,712/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$102,894/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,859 · Scale 2, in force from 26 Feb 2026)