LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,985
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,731
−HK$758/mo
Today · 4.125%
HK$25,489
baseline
▲ 0.50% · 4.625%
HK$27,040
+HK$1,551/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,978/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,683
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,398
−HK$726/mo
Today · 4.125%
HK$28,124
baseline
▲ 0.50% · 4.625%
HK$29,607
+HK$1,483/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,248/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,782
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,677
−HK$909/mo
Today · 4.125%
HK$30,586
baseline
▲ 0.50% · 4.625%
HK$32,448
+HK$1,862/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,172/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,019
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,878
−HK$871/mo
Today · 4.125%
HK$33,749
baseline
▲ 0.50% · 4.625%
HK$35,528
+HK$1,779/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,498/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,579
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,623
−HK$1,061/mo
Today · 4.125%
HK$35,684
baseline
▲ 0.50% · 4.625%
HK$37,856
+HK$2,172/mo
Deposit HK$3.16M · loan HK$7.36M · min. income ≈ HK$71,368/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,356
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,358
−HK$1,016/mo
Today · 4.125%
HK$39,374
baseline
▲ 0.50% · 4.625%
HK$41,449
+HK$2,075/mo
Deposit HK$3.16M · loan HK$7.36M · min. income ≈ HK$78,748/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,172
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,515
−HK$1,365/mo
Today · 4.125%
HK$45,880
baseline
▲ 0.50% · 4.625%
HK$48,671
+HK$2,791/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,760/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,029
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,317
−HK$1,307/mo
Today · 4.125%
HK$50,624
baseline
▲ 0.50% · 4.625%
HK$53,292
+HK$2,668/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,248/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,441 · Scale 2, in force from 26 Feb 2026)