LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,978
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,724
−HK$758/mo
Today · 4.125%
HK$25,482
baseline
▲ 0.50% · 4.625%
HK$27,032
+HK$1,550/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,964/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,676
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,391
−HK$726/mo
Today · 4.125%
HK$28,117
baseline
▲ 0.50% · 4.625%
HK$29,599
+HK$1,482/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,234/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,774
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,669
−HK$909/mo
Today · 4.125%
HK$30,578
baseline
▲ 0.50% · 4.625%
HK$32,439
+HK$1,861/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,156/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,011
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,869
−HK$871/mo
Today · 4.125%
HK$33,740
baseline
▲ 0.50% · 4.625%
HK$35,519
+HK$1,779/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,480/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,570
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,614
−HK$1,061/mo
Today · 4.125%
HK$35,675
baseline
▲ 0.50% · 4.625%
HK$37,845
+HK$2,170/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$71,350/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,346
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,347
−HK$1,016/mo
Today · 4.125%
HK$39,363
baseline
▲ 0.50% · 4.625%
HK$41,438
+HK$2,075/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$78,726/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,161
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,503
−HK$1,364/mo
Today · 4.125%
HK$45,867
baseline
▲ 0.50% · 4.625%
HK$48,658
+HK$2,791/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$91,734/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,016
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,304
−HK$1,306/mo
Today · 4.125%
HK$50,610
baseline
▲ 0.50% · 4.625%
HK$53,278
+HK$2,668/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$101,220/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,336 · Scale 2, in force from 26 Feb 2026)