LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,001
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,748
−HK$759/mo
Today · 4.125%
HK$25,507
baseline
▲ 0.50% · 4.625%
HK$27,059
+HK$1,552/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$51,014/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,701
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,418
−HK$726/mo
Today · 4.125%
HK$28,144
baseline
▲ 0.50% · 4.625%
HK$29,628
+HK$1,484/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,288/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,802
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,698
−HK$910/mo
Today · 4.125%
HK$30,608
baseline
▲ 0.50% · 4.625%
HK$32,470
+HK$1,862/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$61,216/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,042
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,901
−HK$872/mo
Today · 4.125%
HK$33,773
baseline
▲ 0.50% · 4.625%
HK$35,553
+HK$1,780/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$67,546/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,602
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,647
−HK$1,062/mo
Today · 4.125%
HK$35,709
baseline
▲ 0.50% · 4.625%
HK$37,882
+HK$2,173/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$71,418/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,382
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,385
−HK$1,017/mo
Today · 4.125%
HK$39,402
baseline
▲ 0.50% · 4.625%
HK$41,479
+HK$2,077/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,804/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,203
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,547
−HK$1,365/mo
Today · 4.125%
HK$45,912
baseline
▲ 0.50% · 4.625%
HK$48,705
+HK$2,793/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,824/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,063
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,352
−HK$1,307/mo
Today · 4.125%
HK$50,659
baseline
▲ 0.50% · 4.625%
HK$53,330
+HK$2,671/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,318/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,717 · Scale 2, in force from 26 Feb 2026)