LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,973
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,719
−HK$758/mo
Today · 4.125%
HK$25,477
baseline
▲ 0.50% · 4.625%
HK$27,027
+HK$1,550/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,954/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,670
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,385
−HK$726/mo
Today · 4.125%
HK$28,111
baseline
▲ 0.50% · 4.625%
HK$29,593
+HK$1,482/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,222/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,768
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,663
−HK$909/mo
Today · 4.125%
HK$30,572
baseline
▲ 0.50% · 4.625%
HK$32,432
+HK$1,860/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,144/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,004
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,862
−HK$871/mo
Today · 4.125%
HK$33,733
baseline
▲ 0.50% · 4.625%
HK$35,511
+HK$1,778/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,466/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,562
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,606
−HK$1,061/mo
Today · 4.125%
HK$35,667
baseline
▲ 0.50% · 4.625%
HK$37,837
+HK$2,170/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$71,334/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,338
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,339
−HK$1,016/mo
Today · 4.125%
HK$39,355
baseline
▲ 0.50% · 4.625%
HK$41,430
+HK$2,075/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$78,710/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,152
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,494
−HK$1,364/mo
Today · 4.125%
HK$45,858
baseline
▲ 0.50% · 4.625%
HK$48,648
+HK$2,790/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$91,716/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,006
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,293
−HK$1,306/mo
Today · 4.125%
HK$50,599
baseline
▲ 0.50% · 4.625%
HK$53,267
+HK$2,668/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$101,198/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,252 · Scale 2, in force from 26 Feb 2026)