LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,770
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,509
−HK$752/mo
Today · 4.125%
HK$25,261
baseline
▲ 0.50% · 4.625%
HK$26,798
+HK$1,537/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,522/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,444
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,153
−HK$720/mo
Today · 4.125%
HK$27,873
baseline
▲ 0.50% · 4.625%
HK$29,342
+HK$1,469/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,746/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,524
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,411
−HK$902/mo
Today · 4.125%
HK$30,313
baseline
▲ 0.50% · 4.625%
HK$32,157
+HK$1,844/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$60,626/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,733
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,584
−HK$863/mo
Today · 4.125%
HK$33,447
baseline
▲ 0.50% · 4.625%
HK$35,210
+HK$1,763/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$66,894/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,278
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,313
−HK$1,052/mo
Today · 4.125%
HK$35,365
baseline
▲ 0.50% · 4.625%
HK$37,517
+HK$2,152/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$70,730/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,021
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,014
−HK$1,008/mo
Today · 4.125%
HK$39,022
baseline
▲ 0.50% · 4.625%
HK$41,078
+HK$2,056/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,044/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,786
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,117
−HK$1,352/mo
Today · 4.125%
HK$45,469
baseline
▲ 0.50% · 4.625%
HK$48,236
+HK$2,767/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$90,938/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,599
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,875
−HK$1,296/mo
Today · 4.125%
HK$50,171
baseline
▲ 0.50% · 4.625%
HK$52,815
+HK$2,644/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$100,342/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,910 · Scale 2, in force from 26 Feb 2026)