LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,739
−HK$1,488/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$390,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,409
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,117
−HK$719/mo
Today · 4.125%
HK$27,836
baseline
▲ 0.50% · 4.625%
HK$29,303
+HK$1,467/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,672/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,486
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,372
−HK$901/mo
Today · 4.125%
HK$30,273
baseline
▲ 0.50% · 4.625%
HK$32,115
+HK$1,842/mo
Deposit HK$4.16M · loan HK$6.25M · min. income ≈ HK$60,546/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,691
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,541
−HK$862/mo
Today · 4.125%
HK$33,403
baseline
▲ 0.50% · 4.625%
HK$35,164
+HK$1,761/mo
Deposit HK$4.16M · loan HK$6.25M · min. income ≈ HK$66,806/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,234
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,268
−HK$1,050/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$390,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,973
−HK$1,997/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$390,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,730
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$44,059
−HK$1,350/mo
Today · 4.125%
HK$45,409
baseline
▲ 0.50% · 4.625%
HK$48,172
+HK$2,763/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,818/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,536
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,811
−HK$1,293/mo
Today · 4.125%
HK$50,104
baseline
▲ 0.50% · 4.625%
HK$52,746
+HK$2,642/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$390,395 · Scale 2, in force from 26 Feb 2026)