LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,927
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,671
−HK$756/mo
Today · 4.125%
HK$25,427
baseline
▲ 0.50% · 4.625%
HK$26,974
+HK$1,547/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,854/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,618
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,332
−HK$724/mo
Today · 4.125%
HK$28,056
baseline
▲ 0.50% · 4.625%
HK$29,535
+HK$1,479/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,112/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,712
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,605
−HK$907/mo
Today · 4.125%
HK$30,512
baseline
▲ 0.50% · 4.625%
HK$32,369
+HK$1,857/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$61,024/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,942
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,798
−HK$869/mo
Today · 4.125%
HK$33,667
baseline
▲ 0.50% · 4.625%
HK$35,442
+HK$1,775/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$67,334/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,497
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,539
−HK$1,059/mo
Today · 4.125%
HK$35,598
baseline
▲ 0.50% · 4.625%
HK$37,764
+HK$2,166/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$71,196/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,265
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,265
−HK$1,014/mo
Today · 4.125%
HK$39,279
baseline
▲ 0.50% · 4.625%
HK$41,349
+HK$2,070/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$78,558/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,068
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$44,407
−HK$1,362/mo
Today · 4.125%
HK$45,769
baseline
▲ 0.50% · 4.625%
HK$48,553
+HK$2,784/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$91,538/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,913
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,197
−HK$1,304/mo
Today · 4.125%
HK$50,501
baseline
▲ 0.50% · 4.625%
HK$53,163
+HK$2,662/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$101,002/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,485 · Scale 2, in force from 26 Feb 2026)