LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,741
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,479
−HK$750/mo
Today · 4.125%
HK$25,229
baseline
▲ 0.50% · 4.625%
HK$26,764
+HK$1,535/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,458/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,411
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,119
−HK$719/mo
Today · 4.125%
HK$27,838
baseline
▲ 0.50% · 4.625%
HK$29,305
+HK$1,467/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,676/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,489
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,375
−HK$900/mo
Today · 4.125%
HK$30,275
baseline
▲ 0.50% · 4.625%
HK$32,117
+HK$1,842/mo
Deposit HK$4.16M · loan HK$6.25M · min. income ≈ HK$60,550/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,693
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,543
−HK$863/mo
Today · 4.125%
HK$33,406
baseline
▲ 0.50% · 4.625%
HK$35,167
+HK$1,761/mo
Deposit HK$4.16M · loan HK$6.25M · min. income ≈ HK$66,812/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,237
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,271
−HK$1,050/mo
Today · 4.125%
HK$35,321
baseline
▲ 0.50% · 4.625%
HK$37,470
+HK$2,149/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$70,642/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,976
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,967
−HK$1,006/mo
Today · 4.125%
HK$38,973
baseline
▲ 0.50% · 4.625%
HK$41,028
+HK$2,055/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$77,946/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,733
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,062
−HK$1,351/mo
Today · 4.125%
HK$45,413
baseline
▲ 0.50% · 4.625%
HK$48,176
+HK$2,763/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,826/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,540
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$48,815
−HK$1,294/mo
Today · 4.125%
HK$50,109
baseline
▲ 0.50% · 4.625%
HK$52,750
+HK$2,641/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$100,218/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,427 · Scale 2, in force from 26 Feb 2026)