LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,800
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,540
−HK$752/mo
Today · 4.125%
HK$25,292
baseline
▲ 0.50% · 4.625%
HK$26,831
+HK$1,539/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,584/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,477
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,187
−HK$720/mo
Today · 4.125%
HK$27,907
baseline
▲ 0.50% · 4.625%
HK$29,378
+HK$1,471/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,814/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,559
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,448
−HK$902/mo
Today · 4.125%
HK$30,350
baseline
▲ 0.50% · 4.625%
HK$32,197
+HK$1,847/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$60,700/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,772
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,624
−HK$865/mo
Today · 4.125%
HK$33,489
baseline
▲ 0.50% · 4.625%
HK$35,254
+HK$1,765/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$66,978/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,319
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,356
−HK$1,053/mo
Today · 4.125%
HK$35,409
baseline
▲ 0.50% · 4.625%
HK$37,563
+HK$2,154/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$70,818/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,067
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,062
−HK$1,008/mo
Today · 4.125%
HK$39,070
baseline
▲ 0.50% · 4.625%
HK$41,130
+HK$2,060/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$78,140/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,839
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$44,172
−HK$1,354/mo
Today · 4.125%
HK$45,526
baseline
▲ 0.50% · 4.625%
HK$48,296
+HK$2,770/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$91,052/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,658
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$48,936
−HK$1,297/mo
Today · 4.125%
HK$50,233
baseline
▲ 0.50% · 4.625%
HK$52,881
+HK$2,648/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$100,466/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,396 · Scale 2, in force from 26 Feb 2026)