LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,987
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,733
−HK$758/mo
Today · 4.125%
HK$25,491
baseline
▲ 0.50% · 4.625%
HK$27,042
+HK$1,551/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,982/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,685
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,401
−HK$726/mo
Today · 4.125%
HK$28,127
baseline
▲ 0.50% · 4.625%
HK$29,610
+HK$1,483/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,254/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,784
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,680
−HK$909/mo
Today · 4.125%
HK$30,589
baseline
▲ 0.50% · 4.625%
HK$32,451
+HK$1,862/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,178/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,022
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,881
−HK$871/mo
Today · 4.125%
HK$33,752
baseline
▲ 0.50% · 4.625%
HK$35,531
+HK$1,779/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,504/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,582
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,626
−HK$1,062/mo
Today · 4.125%
HK$35,688
baseline
▲ 0.50% · 4.625%
HK$37,859
+HK$2,171/mo
Deposit HK$3.16M · loan HK$7.36M · min. income ≈ HK$71,376/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,359
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,361
−HK$1,017/mo
Today · 4.125%
HK$39,378
baseline
▲ 0.50% · 4.625%
HK$41,453
+HK$2,075/mo
Deposit HK$3.16M · loan HK$7.36M · min. income ≈ HK$78,756/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,176
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,519
−HK$1,365/mo
Today · 4.125%
HK$45,884
baseline
▲ 0.50% · 4.625%
HK$48,676
+HK$2,792/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,768/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,033
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,322
−HK$1,306/mo
Today · 4.125%
HK$50,628
baseline
▲ 0.50% · 4.625%
HK$53,297
+HK$2,669/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,256/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,477 · Scale 2, in force from 26 Feb 2026)