LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,738
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,477
−HK$750/mo
Today · 4.125%
HK$25,227
baseline
▲ 0.50% · 4.625%
HK$26,762
+HK$1,535/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,454/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,409
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,117
−HK$718/mo
Today · 4.125%
HK$27,835
baseline
▲ 0.50% · 4.625%
HK$29,303
+HK$1,468/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,670/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,486
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,372
−HK$900/mo
Today · 4.125%
HK$30,272
baseline
▲ 0.50% · 4.625%
HK$32,114
+HK$1,842/mo
Deposit HK$4.16M · loan HK$6.25M · min. income ≈ HK$60,544/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,690
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,540
−HK$862/mo
Today · 4.125%
HK$33,402
baseline
▲ 0.50% · 4.625%
HK$35,163
+HK$1,761/mo
Deposit HK$4.16M · loan HK$6.25M · min. income ≈ HK$66,804/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,234
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,267
−HK$1,051/mo
Today · 4.125%
HK$35,318
baseline
▲ 0.50% · 4.625%
HK$37,467
+HK$2,149/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$70,636/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,972
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,964
−HK$1,006/mo
Today · 4.125%
HK$38,970
baseline
▲ 0.50% · 4.625%
HK$41,024
+HK$2,054/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$77,940/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,729
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$44,058
−HK$1,350/mo
Today · 4.125%
HK$45,408
baseline
▲ 0.50% · 4.625%
HK$48,171
+HK$2,763/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,816/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,535
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$48,810
−HK$1,294/mo
Today · 4.125%
HK$50,104
baseline
▲ 0.50% · 4.625%
HK$52,745
+HK$2,641/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$100,208/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,389 · Scale 2, in force from 26 Feb 2026)