LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,774
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,514
−HK$751/mo
Today · 4.125%
HK$25,265
baseline
▲ 0.50% · 4.625%
HK$26,802
+HK$1,537/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,530/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,449
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,158
−HK$719/mo
Today · 4.125%
HK$27,877
baseline
▲ 0.50% · 4.625%
HK$29,347
+HK$1,470/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,754/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,529
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,416
−HK$902/mo
Today · 4.125%
HK$30,318
baseline
▲ 0.50% · 4.625%
HK$32,163
+HK$1,845/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$60,636/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,738
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,589
−HK$864/mo
Today · 4.125%
HK$33,453
baseline
▲ 0.50% · 4.625%
HK$35,216
+HK$1,763/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$66,906/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,284
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,319
−HK$1,052/mo
Today · 4.125%
HK$35,371
baseline
▲ 0.50% · 4.625%
HK$37,523
+HK$2,152/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$70,742/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,028
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,021
−HK$1,007/mo
Today · 4.125%
HK$39,028
baseline
▲ 0.50% · 4.625%
HK$41,086
+HK$2,058/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,056/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,794
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,125
−HK$1,352/mo
Today · 4.125%
HK$45,477
baseline
▲ 0.50% · 4.625%
HK$48,244
+HK$2,767/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$90,954/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,607
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,884
−HK$1,295/mo
Today · 4.125%
HK$50,179
baseline
▲ 0.50% · 4.625%
HK$52,825
+HK$2,646/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$100,358/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,979 · Scale 2, in force from 26 Feb 2026)