LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,995
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,741
−HK$758/mo
Today · 4.125%
HK$25,499
baseline
▲ 0.50% · 4.625%
HK$27,051
+HK$1,552/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,998/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,694
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,410
−HK$726/mo
Today · 4.125%
HK$28,136
baseline
▲ 0.50% · 4.625%
HK$29,619
+HK$1,483/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,272/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,794
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,689
−HK$910/mo
Today · 4.125%
HK$30,599
baseline
▲ 0.50% · 4.625%
HK$32,461
+HK$1,862/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,198/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,033
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,892
−HK$871/mo
Today · 4.125%
HK$33,763
baseline
▲ 0.50% · 4.625%
HK$35,543
+HK$1,780/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,526/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,593
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,637
−HK$1,062/mo
Today · 4.125%
HK$35,699
baseline
▲ 0.50% · 4.625%
HK$37,871
+HK$2,172/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$71,398/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,371
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,374
−HK$1,016/mo
Today · 4.125%
HK$39,390
baseline
▲ 0.50% · 4.625%
HK$41,467
+HK$2,077/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,780/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,190
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,534
−HK$1,365/mo
Today · 4.125%
HK$45,899
baseline
▲ 0.50% · 4.625%
HK$48,692
+HK$2,793/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,798/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,049
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,338
−HK$1,307/mo
Today · 4.125%
HK$50,645
baseline
▲ 0.50% · 4.625%
HK$53,314
+HK$2,669/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,290/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,605 · Scale 2, in force from 26 Feb 2026)