LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,968
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,713
−HK$758/mo
Today · 4.125%
HK$25,471
baseline
▲ 0.50% · 4.625%
HK$27,021
+HK$1,550/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,942/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,664
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,379
−HK$726/mo
Today · 4.125%
HK$28,105
baseline
▲ 0.50% · 4.625%
HK$29,586
+HK$1,481/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,210/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,762
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,656
−HK$909/mo
Today · 4.125%
HK$30,565
baseline
▲ 0.50% · 4.625%
HK$32,425
+HK$1,860/mo
Deposit HK$4.20M · loan HK$6.31M · min. income ≈ HK$61,130/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,997
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,855
−HK$871/mo
Today · 4.125%
HK$33,726
baseline
▲ 0.50% · 4.625%
HK$35,503
+HK$1,777/mo
Deposit HK$4.20M · loan HK$6.31M · min. income ≈ HK$67,452/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,555
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,599
−HK$1,060/mo
Today · 4.125%
HK$35,659
baseline
▲ 0.50% · 4.625%
HK$37,829
+HK$2,170/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$71,318/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,330
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,331
−HK$1,016/mo
Today · 4.125%
HK$39,347
baseline
▲ 0.50% · 4.625%
HK$41,421
+HK$2,074/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$78,694/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,142
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,484
−HK$1,364/mo
Today · 4.125%
HK$45,848
baseline
▲ 0.50% · 4.625%
HK$48,637
+HK$2,789/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$91,696/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,995
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,283
−HK$1,305/mo
Today · 4.125%
HK$50,588
baseline
▲ 0.50% · 4.625%
HK$53,255
+HK$2,667/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$101,176/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,165 · Scale 2, in force from 26 Feb 2026)