LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,976
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,722
−HK$758/mo
Today · 4.125%
HK$25,480
baseline
▲ 0.50% · 4.625%
HK$27,030
+HK$1,550/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,960/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,673
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,389
−HK$725/mo
Today · 4.125%
HK$28,114
baseline
▲ 0.50% · 4.625%
HK$29,596
+HK$1,482/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$394,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,771
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,666
−HK$910/mo
Today · 4.125%
HK$30,576
baseline
▲ 0.50% · 4.625%
HK$32,436
+HK$1,860/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,152/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,008
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,866
−HK$871/mo
Today · 4.125%
HK$33,737
baseline
▲ 0.50% · 4.625%
HK$35,516
+HK$1,779/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,474/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,567
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,611
−HK$1,061/mo
Today · 4.125%
HK$35,672
baseline
▲ 0.50% · 4.625%
HK$37,842
+HK$2,170/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$71,344/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,343
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,344
−HK$1,016/mo
Today · 4.125%
HK$39,360
baseline
▲ 0.50% · 4.625%
HK$41,435
+HK$2,075/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$78,720/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,157
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,500
−HK$1,363/mo
Today · 4.125%
HK$45,863
baseline
▲ 0.50% · 4.625%
HK$48,654
+HK$2,791/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$91,726/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,012
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,299
−HK$1,307/mo
Today · 4.125%
HK$50,606
baseline
▲ 0.50% · 4.625%
HK$53,273
+HK$2,667/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$101,212/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,301 · Scale 2, in force from 26 Feb 2026)