LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,928
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,672
−HK$756/mo
Today · 4.125%
HK$25,428
baseline
▲ 0.50% · 4.625%
HK$26,976
+HK$1,548/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,856/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,620
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,334
−HK$724/mo
Today · 4.125%
HK$28,058
baseline
▲ 0.50% · 4.625%
HK$29,537
+HK$1,479/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,116/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,714
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,607
−HK$907/mo
Today · 4.125%
HK$30,514
baseline
▲ 0.50% · 4.625%
HK$32,371
+HK$1,857/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$61,028/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,944
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,800
−HK$869/mo
Today · 4.125%
HK$33,669
baseline
▲ 0.50% · 4.625%
HK$35,444
+HK$1,775/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$67,338/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,499
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,541
−HK$1,059/mo
Today · 4.125%
HK$35,600
baseline
▲ 0.50% · 4.625%
HK$37,766
+HK$2,166/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$71,200/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,268
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,267
−HK$1,014/mo
Today · 4.125%
HK$39,281
baseline
▲ 0.50% · 4.625%
HK$41,352
+HK$2,071/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$78,562/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,070
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$44,410
−HK$1,361/mo
Today · 4.125%
HK$45,771
baseline
▲ 0.50% · 4.625%
HK$48,556
+HK$2,785/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$91,542/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,915
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$49,200
−HK$1,304/mo
Today · 4.125%
HK$50,504
baseline
▲ 0.50% · 4.625%
HK$53,166
+HK$2,662/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$101,008/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,509 · Scale 2, in force from 26 Feb 2026)