LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,982
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,728
−HK$758/mo
Today · 4.125%
HK$25,486
baseline
▲ 0.50% · 4.625%
HK$27,037
+HK$1,551/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,972/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,680
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,395
−HK$726/mo
Today · 4.125%
HK$28,121
baseline
▲ 0.50% · 4.625%
HK$29,604
+HK$1,483/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,242/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,778
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,674
−HK$909/mo
Today · 4.125%
HK$30,583
baseline
▲ 0.50% · 4.625%
HK$32,444
+HK$1,861/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,166/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,016
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,874
−HK$871/mo
Today · 4.125%
HK$33,745
baseline
▲ 0.50% · 4.625%
HK$35,524
+HK$1,779/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,490/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,575
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,619
−HK$1,061/mo
Today · 4.125%
HK$35,680
baseline
▲ 0.50% · 4.625%
HK$37,851
+HK$2,171/mo
Deposit HK$3.16M · loan HK$7.36M · min. income ≈ HK$71,360/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,352
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,353
−HK$1,017/mo
Today · 4.125%
HK$39,370
baseline
▲ 0.50% · 4.625%
HK$41,445
+HK$2,075/mo
Deposit HK$3.16M · loan HK$7.36M · min. income ≈ HK$78,740/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,168
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,510
−HK$1,365/mo
Today · 4.125%
HK$45,875
baseline
▲ 0.50% · 4.625%
HK$48,666
+HK$2,791/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,750/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,024
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,312
−HK$1,306/mo
Today · 4.125%
HK$50,618
baseline
▲ 0.50% · 4.625%
HK$53,286
+HK$2,668/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,236/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,398 · Scale 2, in force from 26 Feb 2026)