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$27,038
+HK$1,551/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$394,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,681
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,397
−HK$725/mo
Today · 4.125%
HK$28,122
baseline
▲ 0.50% · 4.625%
HK$29,605
+HK$1,483/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$394,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,780
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,675
−HK$909/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$394,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,017
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,876
−HK$871/mo
Today · 4.125%
HK$33,747
baseline
▲ 0.50% · 4.625%
HK$35,526
+HK$1,779/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,494/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,576
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,621
−HK$1,061/mo
Today · 4.125%
HK$35,682
baseline
▲ 0.50% · 4.625%
HK$37,853
+HK$2,171/mo
Deposit HK$3.16M · loan HK$7.36M · min. income ≈ HK$71,364/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,353
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,355
−HK$1,016/mo
Today · 4.125%
HK$39,371
baseline
▲ 0.50% · 4.625%
HK$41,447
+HK$2,076/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$394,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,170
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,512
−HK$1,365/mo
Today · 4.125%
HK$45,877
baseline
▲ 0.50% · 4.625%
HK$48,668
+HK$2,791/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,754/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,026
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,314
−HK$1,306/mo
Today · 4.125%
HK$50,620
baseline
▲ 0.50% · 4.625%
HK$53,289
+HK$2,669/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,240/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,415 · Scale 2, in force from 26 Feb 2026)