LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,746
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,485
−HK$750/mo
Today · 4.125%
HK$25,235
baseline
▲ 0.50% · 4.625%
HK$26,771
+HK$1,536/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,470/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,417
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,126
−HK$719/mo
Today · 4.125%
HK$27,845
baseline
▲ 0.50% · 4.625%
HK$29,312
+HK$1,467/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,690/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,495
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,382
−HK$900/mo
Today · 4.125%
HK$30,282
baseline
▲ 0.50% · 4.625%
HK$32,125
+HK$1,843/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$60,564/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,701
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,551
−HK$863/mo
Today · 4.125%
HK$33,414
baseline
▲ 0.50% · 4.625%
HK$35,175
+HK$1,761/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$66,828/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,245
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,279
−HK$1,050/mo
Today · 4.125%
HK$35,329
baseline
▲ 0.50% · 4.625%
HK$37,479
+HK$2,150/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$70,658/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,984
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$37,976
−HK$1,007/mo
Today · 4.125%
HK$38,983
baseline
▲ 0.50% · 4.625%
HK$41,037
+HK$2,054/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$77,966/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,743
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,073
−HK$1,351/mo
Today · 4.125%
HK$45,424
baseline
▲ 0.50% · 4.625%
HK$48,187
+HK$2,763/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,848/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,551
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$48,827
−HK$1,293/mo
Today · 4.125%
HK$50,120
baseline
▲ 0.50% · 4.625%
HK$52,762
+HK$2,642/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$100,240/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,519 · Scale 2, in force from 26 Feb 2026)