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$394,303 · 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$394,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,772
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,667
−HK$909/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$394,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,008
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,867
−HK$870/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$394,303 · 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$394,303 · 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$394,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,157
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,500
−HK$1,364/mo
Today · 4.125%
HK$45,864
baseline
▲ 0.50% · 4.625%
HK$48,654
+HK$2,790/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$91,728/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,012
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,300
−HK$1,306/mo
Today · 4.125%
HK$50,606
baseline
▲ 0.50% · 4.625%
HK$53,274
+HK$2,668/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$394,303 · Scale 2, in force from 26 Feb 2026)