LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,974
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,720
−HK$757/mo
Today · 4.125%
HK$25,477
baseline
▲ 0.50% · 4.625%
HK$27,028
+HK$1,551/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$394,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,671
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,386
−HK$726/mo
Today · 4.125%
HK$28,112
baseline
▲ 0.50% · 4.625%
HK$29,594
+HK$1,482/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,224/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,769
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,664
−HK$909/mo
Today · 4.125%
HK$30,573
baseline
▲ 0.50% · 4.625%
HK$32,433
+HK$1,860/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,146/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,005
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,863
−HK$871/mo
Today · 4.125%
HK$33,734
baseline
▲ 0.50% · 4.625%
HK$35,512
+HK$1,778/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,468/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,564
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,608
−HK$1,060/mo
Today · 4.125%
HK$35,668
baseline
▲ 0.50% · 4.625%
HK$37,839
+HK$2,171/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$71,336/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,339
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,341
−HK$1,016/mo
Today · 4.125%
HK$39,357
baseline
▲ 0.50% · 4.625%
HK$41,431
+HK$2,074/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$78,714/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,153
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,496
−HK$1,363/mo
Today · 4.125%
HK$45,859
baseline
▲ 0.50% · 4.625%
HK$48,650
+HK$2,791/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$91,718/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,008
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,295
−HK$1,306/mo
Today · 4.125%
HK$50,601
baseline
▲ 0.50% · 4.625%
HK$53,269
+HK$2,668/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$101,202/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,266 · Scale 2, in force from 26 Feb 2026)