LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,376
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,135
−HK$770/mo
Today · 4.125%
HK$25,905
baseline
▲ 0.50% · 4.625%
HK$27,481
+HK$1,576/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,810/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$400,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,119
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,846
−HK$738/mo
Today · 4.125%
HK$28,584
baseline
▲ 0.50% · 4.625%
HK$30,090
+HK$1,506/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,168/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$400,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,252
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,162
−HK$924/mo
Today · 4.125%
HK$31,086
baseline
▲ 0.50% · 4.625%
HK$32,978
+HK$1,892/mo
Deposit HK$4.28M · loan HK$6.41M · min. income ≈ HK$62,172/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,542
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,415
−HK$885/mo
Today · 4.125%
HK$34,300
baseline
▲ 0.50% · 4.625%
HK$36,108
+HK$1,808/mo
Deposit HK$4.28M · loan HK$6.41M · min. income ≈ HK$68,600/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,127
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,189
−HK$1,078/mo
Today · 4.125%
HK$36,267
baseline
▲ 0.50% · 4.625%
HK$38,474
+HK$2,207/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$72,534/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,966
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,984
−HK$1,033/mo
Today · 4.125%
HK$40,017
baseline
▲ 0.50% · 4.625%
HK$42,127
+HK$2,110/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$80,034/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,878
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,242
−HK$1,387/mo
Today · 4.125%
HK$46,629
baseline
▲ 0.50% · 4.625%
HK$49,466
+HK$2,837/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$93,258/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,813
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,123
−HK$1,328/mo
Today · 4.125%
HK$51,451
baseline
▲ 0.50% · 4.625%
HK$54,163
+HK$2,712/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$102,902/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,884 · Scale 2, in force from 26 Feb 2026)