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$394,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,683
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,399
−HK$726/mo
Today · 4.125%
HK$28,125
baseline
▲ 0.50% · 4.625%
HK$29,608
+HK$1,483/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,250/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,782
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,678
−HK$909/mo
Today · 4.125%
HK$30,587
baseline
▲ 0.50% · 4.625%
HK$32,449
+HK$1,862/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,174/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,020
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,879
−HK$871/mo
Today · 4.125%
HK$33,750
baseline
▲ 0.50% · 4.625%
HK$35,529
+HK$1,779/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,500/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,580
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,624
−HK$1,061/mo
Today · 4.125%
HK$35,685
baseline
▲ 0.50% · 4.625%
HK$37,857
+HK$2,172/mo
Deposit HK$3.16M · loan HK$7.36M · min. income ≈ HK$71,370/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,357
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,359
−HK$1,016/mo
Today · 4.125%
HK$39,375
baseline
▲ 0.50% · 4.625%
HK$41,451
+HK$2,076/mo
Deposit HK$3.16M · loan HK$7.36M · min. income ≈ HK$78,750/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,174
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,517
−HK$1,364/mo
Today · 4.125%
HK$45,881
baseline
▲ 0.50% · 4.625%
HK$48,673
+HK$2,792/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,762/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,030
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,318
−HK$1,307/mo
Today · 4.125%
HK$50,625
baseline
▲ 0.50% · 4.625%
HK$53,294
+HK$2,669/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,250/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,452 · Scale 2, in force from 26 Feb 2026)