LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,990
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,736
−HK$758/mo
Today · 4.125%
HK$25,494
baseline
▲ 0.50% · 4.625%
HK$27,046
+HK$1,552/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,988/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,689
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,404
−HK$726/mo
Today · 4.125%
HK$28,130
baseline
▲ 0.50% · 4.625%
HK$29,613
+HK$1,483/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,260/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,788
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,683
−HK$910/mo
Today · 4.125%
HK$30,593
baseline
▲ 0.50% · 4.625%
HK$32,455
+HK$1,862/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,186/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,026
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,885
−HK$872/mo
Today · 4.125%
HK$33,757
baseline
▲ 0.50% · 4.625%
HK$35,536
+HK$1,779/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,514/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,586
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,631
−HK$1,061/mo
Today · 4.125%
HK$35,692
baseline
▲ 0.50% · 4.625%
HK$37,864
+HK$2,172/mo
Deposit HK$3.16M · loan HK$7.36M · min. income ≈ HK$71,384/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,364
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,366
−HK$1,017/mo
Today · 4.125%
HK$39,383
baseline
▲ 0.50% · 4.625%
HK$41,459
+HK$2,076/mo
Deposit HK$3.16M · loan HK$7.36M · min. income ≈ HK$78,766/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,182
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,525
−HK$1,365/mo
Today · 4.125%
HK$45,890
baseline
▲ 0.50% · 4.625%
HK$48,682
+HK$2,792/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,780/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,039
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,328
−HK$1,307/mo
Today · 4.125%
HK$50,635
baseline
▲ 0.50% · 4.625%
HK$53,304
+HK$2,669/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,270/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,527 · Scale 2, in force from 26 Feb 2026)