LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,741
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,480
−HK$750/mo
Today · 4.125%
HK$25,230
baseline
▲ 0.50% · 4.625%
HK$26,765
+HK$1,535/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,460/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,412
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,120
−HK$719/mo
Today · 4.125%
HK$27,839
baseline
▲ 0.50% · 4.625%
HK$29,306
+HK$1,467/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,678/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,490
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,376
−HK$900/mo
Today · 4.125%
HK$30,276
baseline
▲ 0.50% · 4.625%
HK$32,118
+HK$1,842/mo
Deposit HK$4.16M · loan HK$6.25M · min. income ≈ HK$60,552/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,694
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,544
−HK$863/mo
Today · 4.125%
HK$33,407
baseline
▲ 0.50% · 4.625%
HK$35,168
+HK$1,761/mo
Deposit HK$4.16M · loan HK$6.25M · min. income ≈ HK$66,814/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,238
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,272
−HK$1,050/mo
Today · 4.125%
HK$35,322
baseline
▲ 0.50% · 4.625%
HK$37,471
+HK$2,149/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$70,644/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,977
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,969
−HK$1,006/mo
Today · 4.125%
HK$38,975
baseline
▲ 0.50% · 4.625%
HK$41,029
+HK$2,054/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$77,950/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,734
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,064
−HK$1,350/mo
Today · 4.125%
HK$45,414
baseline
▲ 0.50% · 4.625%
HK$48,178
+HK$2,764/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,828/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,542
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,817
−HK$1,293/mo
Today · 4.125%
HK$50,110
baseline
▲ 0.50% · 4.625%
HK$52,752
+HK$2,642/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$100,220/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,439 · Scale 2, in force from 26 Feb 2026)