LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,981
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,727
−HK$758/mo
Today · 4.125%
HK$25,485
baseline
▲ 0.50% · 4.625%
HK$27,035
+HK$1,550/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,970/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,679
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,394
−HK$726/mo
Today · 4.125%
HK$28,120
baseline
▲ 0.50% · 4.625%
HK$29,602
+HK$1,482/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,240/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,777
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,672
−HK$910/mo
Today · 4.125%
HK$30,582
baseline
▲ 0.50% · 4.625%
HK$32,443
+HK$1,861/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,164/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,014
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,873
−HK$871/mo
Today · 4.125%
HK$33,744
baseline
▲ 0.50% · 4.625%
HK$35,523
+HK$1,779/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,488/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,573
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,618
−HK$1,061/mo
Today · 4.125%
HK$35,679
baseline
▲ 0.50% · 4.625%
HK$37,850
+HK$2,171/mo
Deposit HK$3.16M · loan HK$7.36M · min. income ≈ HK$71,358/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,350
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,352
−HK$1,016/mo
Today · 4.125%
HK$39,368
baseline
▲ 0.50% · 4.625%
HK$41,443
+HK$2,075/mo
Deposit HK$3.16M · loan HK$7.36M · min. income ≈ HK$78,736/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,166
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,508
−HK$1,365/mo
Today · 4.125%
HK$45,873
baseline
▲ 0.50% · 4.625%
HK$48,664
+HK$2,791/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,746/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,021
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,309
−HK$1,307/mo
Today · 4.125%
HK$50,616
baseline
▲ 0.50% · 4.625%
HK$53,284
+HK$2,668/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,232/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,380 · Scale 2, in force from 26 Feb 2026)