LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,965
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,711
−HK$757/mo
Today · 4.125%
HK$25,468
baseline
▲ 0.50% · 4.625%
HK$27,018
+HK$1,550/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,936/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,661
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,376
−HK$726/mo
Today · 4.125%
HK$28,102
baseline
▲ 0.50% · 4.625%
HK$29,583
+HK$1,481/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,204/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,758
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,653
−HK$909/mo
Today · 4.125%
HK$30,562
baseline
▲ 0.50% · 4.625%
HK$32,421
+HK$1,859/mo
Deposit HK$4.20M · loan HK$6.31M · min. income ≈ HK$61,124/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,993
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,851
−HK$871/mo
Today · 4.125%
HK$33,722
baseline
▲ 0.50% · 4.625%
HK$35,499
+HK$1,777/mo
Deposit HK$4.20M · loan HK$6.31M · min. income ≈ HK$67,444/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,551
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,595
−HK$1,060/mo
Today · 4.125%
HK$35,655
baseline
▲ 0.50% · 4.625%
HK$37,825
+HK$2,170/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$71,310/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,326
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,327
−HK$1,015/mo
Today · 4.125%
HK$39,342
baseline
▲ 0.50% · 4.625%
HK$41,416
+HK$2,074/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$78,684/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,137
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,479
−HK$1,364/mo
Today · 4.125%
HK$45,843
baseline
▲ 0.50% · 4.625%
HK$48,632
+HK$2,789/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$91,686/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,990
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,277
−HK$1,306/mo
Today · 4.125%
HK$50,583
baseline
▲ 0.50% · 4.625%
HK$53,249
+HK$2,666/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$101,166/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,122 · Scale 2, in force from 26 Feb 2026)