LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,751
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,490
−HK$750/mo
Today · 4.125%
HK$25,240
baseline
▲ 0.50% · 4.625%
HK$26,776
+HK$1,536/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,480/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,423
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,131
−HK$719/mo
Today · 4.125%
HK$27,850
baseline
▲ 0.50% · 4.625%
HK$29,318
+HK$1,468/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,700/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,501
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,388
−HK$900/mo
Today · 4.125%
HK$30,288
baseline
▲ 0.50% · 4.625%
HK$32,131
+HK$1,843/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$60,576/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,707
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,558
−HK$862/mo
Today · 4.125%
HK$33,420
baseline
▲ 0.50% · 4.625%
HK$35,182
+HK$1,762/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$66,840/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,251
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,286
−HK$1,050/mo
Today · 4.125%
HK$35,336
baseline
▲ 0.50% · 4.625%
HK$37,487
+HK$2,151/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$70,672/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,992
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,984
−HK$1,006/mo
Today · 4.125%
HK$38,990
baseline
▲ 0.50% · 4.625%
HK$41,046
+HK$2,056/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$77,980/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,752
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,081
−HK$1,352/mo
Today · 4.125%
HK$45,433
baseline
▲ 0.50% · 4.625%
HK$48,197
+HK$2,764/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,866/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,561
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$48,836
−HK$1,294/mo
Today · 4.125%
HK$50,130
baseline
▲ 0.50% · 4.625%
HK$52,773
+HK$2,643/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$100,260/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,597 · Scale 2, in force from 26 Feb 2026)