LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,998
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,745
−HK$758/mo
Today · 4.125%
HK$25,503
baseline
▲ 0.50% · 4.625%
HK$27,055
+HK$1,552/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$51,006/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,698
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,414
−HK$726/mo
Today · 4.125%
HK$28,140
baseline
▲ 0.50% · 4.625%
HK$29,624
+HK$1,484/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,280/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,798
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,694
−HK$910/mo
Today · 4.125%
HK$30,604
baseline
▲ 0.50% · 4.625%
HK$32,466
+HK$1,862/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,208/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,038
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,897
−HK$871/mo
Today · 4.125%
HK$33,768
baseline
▲ 0.50% · 4.625%
HK$35,548
+HK$1,780/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,536/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,598
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,643
−HK$1,062/mo
Today · 4.125%
HK$35,705
baseline
▲ 0.50% · 4.625%
HK$37,877
+HK$2,172/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$71,410/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,377
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,380
−HK$1,017/mo
Today · 4.125%
HK$39,397
baseline
▲ 0.50% · 4.625%
HK$41,473
+HK$2,076/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,794/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,197
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,541
−HK$1,365/mo
Today · 4.125%
HK$45,906
baseline
▲ 0.50% · 4.625%
HK$48,699
+HK$2,793/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,812/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,056
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,345
−HK$1,308/mo
Today · 4.125%
HK$50,653
baseline
▲ 0.50% · 4.625%
HK$53,323
+HK$2,670/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,306/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,667 · Scale 2, in force from 26 Feb 2026)