LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,378
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,136
−HK$771/mo
Today · 4.125%
HK$25,907
baseline
▲ 0.50% · 4.625%
HK$27,483
+HK$1,576/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,814/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$400,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,120
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,848
−HK$738/mo
Today · 4.125%
HK$28,586
baseline
▲ 0.50% · 4.625%
HK$30,092
+HK$1,506/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,172/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$400,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,254
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,164
−HK$924/mo
Today · 4.125%
HK$31,088
baseline
▲ 0.50% · 4.625%
HK$32,980
+HK$1,892/mo
Deposit HK$4.28M · loan HK$6.41M · min. income ≈ HK$62,176/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,544
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,417
−HK$886/mo
Today · 4.125%
HK$34,303
baseline
▲ 0.50% · 4.625%
HK$36,111
+HK$1,808/mo
Deposit HK$4.28M · loan HK$6.41M · min. income ≈ HK$68,606/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,129
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,191
−HK$1,078/mo
Today · 4.125%
HK$36,269
baseline
▲ 0.50% · 4.625%
HK$38,476
+HK$2,207/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$72,538/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,968
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$38,987
−HK$1,033/mo
Today · 4.125%
HK$40,020
baseline
▲ 0.50% · 4.625%
HK$42,129
+HK$2,109/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$80,040/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,881
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,245
−HK$1,387/mo
Today · 4.125%
HK$46,632
baseline
▲ 0.50% · 4.625%
HK$49,470
+HK$2,838/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$93,264/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,817
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,126
−HK$1,328/mo
Today · 4.125%
HK$51,454
baseline
▲ 0.50% · 4.625%
HK$54,166
+HK$2,712/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$102,908/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,910 · Scale 2, in force from 26 Feb 2026)