LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,976
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,721
−HK$758/mo
Today · 4.125%
HK$25,479
baseline
▲ 0.50% · 4.625%
HK$27,029
+HK$1,550/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,958/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,673
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,388
−HK$726/mo
Today · 4.125%
HK$28,114
baseline
▲ 0.50% · 4.625%
HK$29,595
+HK$1,481/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,228/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,771
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,666
−HK$909/mo
Today · 4.125%
HK$30,575
baseline
▲ 0.50% · 4.625%
HK$32,435
+HK$1,860/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,150/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,007
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,865
−HK$871/mo
Today · 4.125%
HK$33,736
baseline
▲ 0.50% · 4.625%
HK$35,515
+HK$1,779/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,472/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,566
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,610
−HK$1,061/mo
Today · 4.125%
HK$35,671
baseline
▲ 0.50% · 4.625%
HK$37,841
+HK$2,170/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$71,342/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,342
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,343
−HK$1,016/mo
Today · 4.125%
HK$39,359
baseline
▲ 0.50% · 4.625%
HK$41,434
+HK$2,075/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$78,718/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,156
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,498
−HK$1,364/mo
Today · 4.125%
HK$45,862
baseline
▲ 0.50% · 4.625%
HK$48,653
+HK$2,791/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$91,724/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,011
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,298
−HK$1,306/mo
Today · 4.125%
HK$50,604
baseline
▲ 0.50% · 4.625%
HK$53,272
+HK$2,668/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$101,208/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,291 · Scale 2, in force from 26 Feb 2026)