LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,402
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,161
−HK$771/mo
Today · 4.125%
HK$25,932
baseline
▲ 0.50% · 4.625%
HK$27,510
+HK$1,578/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,864/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,147
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,875
−HK$738/mo
Today · 4.125%
HK$28,613
baseline
▲ 0.50% · 4.625%
HK$30,122
+HK$1,509/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,226/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,282
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,193
−HK$925/mo
Today · 4.125%
HK$31,118
baseline
▲ 0.50% · 4.625%
HK$33,012
+HK$1,894/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$62,236/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,576
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,450
−HK$886/mo
Today · 4.125%
HK$34,336
baseline
▲ 0.50% · 4.625%
HK$36,146
+HK$1,810/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$68,672/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,162
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,225
−HK$1,080/mo
Today · 4.125%
HK$36,305
baseline
▲ 0.50% · 4.625%
HK$38,514
+HK$2,209/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$72,610/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,005
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,025
−HK$1,034/mo
Today · 4.125%
HK$40,059
baseline
▲ 0.50% · 4.625%
HK$42,170
+HK$2,111/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$80,118/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,923
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,289
−HK$1,388/mo
Today · 4.125%
HK$46,677
baseline
▲ 0.50% · 4.625%
HK$49,518
+HK$2,841/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$93,354/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,864
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,174
−HK$1,330/mo
Today · 4.125%
HK$51,504
baseline
▲ 0.50% · 4.625%
HK$54,219
+HK$2,715/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$103,008/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,299 · Scale 2, in force from 26 Feb 2026)