LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,999
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,745
−HK$759/mo
Today · 4.125%
HK$25,504
baseline
▲ 0.50% · 4.625%
HK$27,056
+HK$1,552/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$51,008/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,699
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,415
−HK$726/mo
Today · 4.125%
HK$28,141
baseline
▲ 0.50% · 4.625%
HK$29,624
+HK$1,483/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,282/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,799
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,695
−HK$910/mo
Today · 4.125%
HK$30,605
baseline
▲ 0.50% · 4.625%
HK$32,467
+HK$1,862/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,210/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,038
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,898
−HK$871/mo
Today · 4.125%
HK$33,769
baseline
▲ 0.50% · 4.625%
HK$35,549
+HK$1,780/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,538/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,599
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,644
−HK$1,061/mo
Today · 4.125%
HK$35,705
baseline
▲ 0.50% · 4.625%
HK$37,878
+HK$2,173/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$394,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,378
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,380
−HK$1,017/mo
Today · 4.125%
HK$39,397
baseline
▲ 0.50% · 4.625%
HK$41,474
+HK$2,077/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$394,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,198
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,542
−HK$1,365/mo
Today · 4.125%
HK$45,907
baseline
▲ 0.50% · 4.625%
HK$48,700
+HK$2,793/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,814/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,057
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,346
−HK$1,308/mo
Today · 4.125%
HK$50,654
baseline
▲ 0.50% · 4.625%
HK$53,324
+HK$2,670/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,308/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,675 · Scale 2, in force from 26 Feb 2026)