LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,385
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,144
−HK$770/mo
Today · 4.125%
HK$25,914
baseline
▲ 0.50% · 4.625%
HK$27,491
+HK$1,577/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,828/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,128
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,856
−HK$738/mo
Today · 4.125%
HK$28,594
baseline
▲ 0.50% · 4.625%
HK$30,101
+HK$1,507/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,188/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,262
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,172
−HK$925/mo
Today · 4.125%
HK$31,097
baseline
▲ 0.50% · 4.625%
HK$32,989
+HK$1,892/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$62,194/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,554
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,427
−HK$886/mo
Today · 4.125%
HK$34,313
baseline
▲ 0.50% · 4.625%
HK$36,121
+HK$1,808/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$68,626/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,139
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,201
−HK$1,079/mo
Today · 4.125%
HK$36,280
baseline
▲ 0.50% · 4.625%
HK$38,488
+HK$2,208/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$72,560/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,979
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$38,998
−HK$1,033/mo
Today · 4.125%
HK$40,031
baseline
▲ 0.50% · 4.625%
HK$42,142
+HK$2,111/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$80,062/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,893
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$45,259
−HK$1,387/mo
Today · 4.125%
HK$46,646
baseline
▲ 0.50% · 4.625%
HK$49,484
+HK$2,838/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$93,292/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,831
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,140
−HK$1,329/mo
Today · 4.125%
HK$51,469
baseline
▲ 0.50% · 4.625%
HK$54,182
+HK$2,713/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$102,938/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,027 · Scale 2, in force from 26 Feb 2026)