LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,990
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,737
−HK$758/mo
Today · 4.125%
HK$25,495
baseline
▲ 0.50% · 4.625%
HK$27,046
+HK$1,551/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,990/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,689
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,405
−HK$726/mo
Today · 4.125%
HK$28,131
baseline
▲ 0.50% · 4.625%
HK$29,614
+HK$1,483/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,262/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,788
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,684
−HK$910/mo
Today · 4.125%
HK$30,594
baseline
▲ 0.50% · 4.625%
HK$32,455
+HK$1,861/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,188/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,027
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,886
−HK$871/mo
Today · 4.125%
HK$33,757
baseline
▲ 0.50% · 4.625%
HK$35,537
+HK$1,780/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$394,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,587
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,631
−HK$1,062/mo
Today · 4.125%
HK$35,693
baseline
▲ 0.50% · 4.625%
HK$37,865
+HK$2,172/mo
Deposit HK$3.16M · loan HK$7.36M · min. income ≈ HK$71,386/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,365
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,367
−HK$1,016/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$394,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,183
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,526
−HK$1,365/mo
Today · 4.125%
HK$45,891
baseline
▲ 0.50% · 4.625%
HK$48,683
+HK$2,792/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,782/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,040
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,329
−HK$1,307/mo
Today · 4.125%
HK$50,636
baseline
▲ 0.50% · 4.625%
HK$53,305
+HK$2,669/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,272/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,535 · Scale 2, in force from 26 Feb 2026)