LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,983
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,729
−HK$758/mo
Today · 4.125%
HK$25,487
baseline
▲ 0.50% · 4.625%
HK$27,037
+HK$1,550/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,974/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,680
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,396
−HK$726/mo
Today · 4.125%
HK$28,122
baseline
▲ 0.50% · 4.625%
HK$29,604
+HK$1,482/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,244/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,779
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,674
−HK$910/mo
Today · 4.125%
HK$30,584
baseline
▲ 0.50% · 4.625%
HK$32,445
+HK$1,861/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,168/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,017
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,875
−HK$871/mo
Today · 4.125%
HK$33,746
baseline
▲ 0.50% · 4.625%
HK$35,525
+HK$1,779/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,492/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,576
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,620
−HK$1,061/mo
Today · 4.125%
HK$35,681
baseline
▲ 0.50% · 4.625%
HK$37,852
+HK$2,171/mo
Deposit HK$3.16M · loan HK$7.36M · min. income ≈ HK$71,362/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,353
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,354
−HK$1,017/mo
Today · 4.125%
HK$39,371
baseline
▲ 0.50% · 4.625%
HK$41,446
+HK$2,075/mo
Deposit HK$3.16M · loan HK$7.36M · min. income ≈ HK$78,742/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,169
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,512
−HK$1,364/mo
Today · 4.125%
HK$45,876
baseline
▲ 0.50% · 4.625%
HK$48,667
+HK$2,791/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,752/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,025
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,313
−HK$1,306/mo
Today · 4.125%
HK$50,619
baseline
▲ 0.50% · 4.625%
HK$53,288
+HK$2,669/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,238/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,407 · Scale 2, in force from 26 Feb 2026)