LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,000
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,747
−HK$758/mo
Today · 4.125%
HK$25,505
baseline
▲ 0.50% · 4.625%
HK$27,057
+HK$1,552/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$51,010/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,700
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,416
−HK$726/mo
Today · 4.125%
HK$28,142
baseline
▲ 0.50% · 4.625%
HK$29,626
+HK$1,484/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,284/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,800
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,696
−HK$910/mo
Today · 4.125%
HK$30,606
baseline
▲ 0.50% · 4.625%
HK$32,468
+HK$1,862/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$61,212/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,040
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,899
−HK$872/mo
Today · 4.125%
HK$33,771
baseline
▲ 0.50% · 4.625%
HK$35,551
+HK$1,780/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$67,542/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,600
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,645
−HK$1,062/mo
Today · 4.125%
HK$35,707
baseline
▲ 0.50% · 4.625%
HK$37,880
+HK$2,173/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$71,414/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,380
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,382
−HK$1,017/mo
Today · 4.125%
HK$39,399
baseline
▲ 0.50% · 4.625%
HK$41,476
+HK$2,077/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,798/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,200
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,544
−HK$1,365/mo
Today · 4.125%
HK$45,909
baseline
▲ 0.50% · 4.625%
HK$48,703
+HK$2,794/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,818/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,060
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,349
−HK$1,307/mo
Today · 4.125%
HK$50,656
baseline
▲ 0.50% · 4.625%
HK$53,326
+HK$2,670/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,312/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,693 · Scale 2, in force from 26 Feb 2026)