LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,381
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,140
−HK$770/mo
Today · 4.125%
HK$25,910
baseline
▲ 0.50% · 4.625%
HK$27,487
+HK$1,577/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,820/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$400,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,124
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,851
−HK$738/mo
Today · 4.125%
HK$28,589
baseline
▲ 0.50% · 4.625%
HK$30,096
+HK$1,507/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,178/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$400,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,258
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,168
−HK$924/mo
Today · 4.125%
HK$31,092
baseline
▲ 0.50% · 4.625%
HK$32,984
+HK$1,892/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$62,184/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,549
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,422
−HK$885/mo
Today · 4.125%
HK$34,307
baseline
▲ 0.50% · 4.625%
HK$36,116
+HK$1,809/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$68,614/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,134
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,196
−HK$1,078/mo
Today · 4.125%
HK$36,274
baseline
▲ 0.50% · 4.625%
HK$38,482
+HK$2,208/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$72,548/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,974
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,992
−HK$1,033/mo
Today · 4.125%
HK$40,025
baseline
▲ 0.50% · 4.625%
HK$42,135
+HK$2,110/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$80,050/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,886
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,251
−HK$1,387/mo
Today · 4.125%
HK$46,638
baseline
▲ 0.50% · 4.625%
HK$49,476
+HK$2,838/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$93,276/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,823
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,133
−HK$1,328/mo
Today · 4.125%
HK$51,461
baseline
▲ 0.50% · 4.625%
HK$54,173
+HK$2,712/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$102,922/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,964 · Scale 2, in force from 26 Feb 2026)