LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,785
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,525
−HK$752/mo
Today · 4.125%
HK$25,277
baseline
▲ 0.50% · 4.625%
HK$26,815
+HK$1,538/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,554/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,461
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,171
−HK$720/mo
Today · 4.125%
HK$27,891
baseline
▲ 0.50% · 4.625%
HK$29,361
+HK$1,470/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,782/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,542
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,430
−HK$902/mo
Today · 4.125%
HK$30,332
baseline
▲ 0.50% · 4.625%
HK$32,178
+HK$1,846/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$60,664/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$391,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,753
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,605
−HK$864/mo
Today · 4.125%
HK$33,469
baseline
▲ 0.50% · 4.625%
HK$35,233
+HK$1,764/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$66,938/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$391,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,300
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,335
−HK$1,053/mo
Today · 4.125%
HK$35,388
baseline
▲ 0.50% · 4.625%
HK$37,541
+HK$2,153/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$70,776/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,045
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,039
−HK$1,008/mo
Today · 4.125%
HK$39,047
baseline
▲ 0.50% · 4.625%
HK$41,105
+HK$2,058/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,094/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,814
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,145
−HK$1,353/mo
Today · 4.125%
HK$45,498
baseline
▲ 0.50% · 4.625%
HK$48,267
+HK$2,769/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$90,996/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,630
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$48,907
−HK$1,296/mo
Today · 4.125%
HK$50,203
baseline
▲ 0.50% · 4.625%
HK$52,849
+HK$2,646/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$100,406/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,164 · Scale 2, in force from 26 Feb 2026)