LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,988
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,734
−HK$759/mo
Today · 4.125%
HK$25,493
baseline
▲ 0.50% · 4.625%
HK$27,044
+HK$1,551/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,986/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,687
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,402
−HK$727/mo
Today · 4.125%
HK$28,129
baseline
▲ 0.50% · 4.625%
HK$29,611
+HK$1,482/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,258/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,786
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,681
−HK$910/mo
Today · 4.125%
HK$30,591
baseline
▲ 0.50% · 4.625%
HK$32,452
+HK$1,861/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,182/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,024
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,883
−HK$871/mo
Today · 4.125%
HK$33,754
baseline
▲ 0.50% · 4.625%
HK$35,533
+HK$1,779/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,508/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,584
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,628
−HK$1,062/mo
Today · 4.125%
HK$35,690
baseline
▲ 0.50% · 4.625%
HK$37,861
+HK$2,171/mo
Deposit HK$3.16M · loan HK$7.36M · min. income ≈ HK$71,380/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,361
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,363
−HK$1,017/mo
Today · 4.125%
HK$39,380
baseline
▲ 0.50% · 4.625%
HK$41,456
+HK$2,076/mo
Deposit HK$3.16M · loan HK$7.36M · min. income ≈ HK$78,760/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,179
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,522
−HK$1,365/mo
Today · 4.125%
HK$45,887
baseline
▲ 0.50% · 4.625%
HK$48,679
+HK$2,792/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,774/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,036
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,324
−HK$1,307/mo
Today · 4.125%
HK$50,631
baseline
▲ 0.50% · 4.625%
HK$53,300
+HK$2,669/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,262/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,500 · Scale 2, in force from 26 Feb 2026)