LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,003
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,750
−HK$758/mo
Today · 4.125%
HK$25,508
baseline
▲ 0.50% · 4.625%
HK$27,060
+HK$1,552/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$51,016/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,703
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,419
−HK$727/mo
Today · 4.125%
HK$28,146
baseline
▲ 0.50% · 4.625%
HK$29,629
+HK$1,483/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,292/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,803
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,699
−HK$911/mo
Today · 4.125%
HK$30,610
baseline
▲ 0.50% · 4.625%
HK$32,472
+HK$1,862/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$61,220/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,044
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,903
−HK$872/mo
Today · 4.125%
HK$33,775
baseline
▲ 0.50% · 4.625%
HK$35,555
+HK$1,780/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$67,550/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,604
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,649
−HK$1,062/mo
Today · 4.125%
HK$35,711
baseline
▲ 0.50% · 4.625%
HK$37,884
+HK$2,173/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$71,422/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,384
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,387
−HK$1,017/mo
Today · 4.125%
HK$39,404
baseline
▲ 0.50% · 4.625%
HK$41,481
+HK$2,077/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,808/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,205
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,549
−HK$1,366/mo
Today · 4.125%
HK$45,915
baseline
▲ 0.50% · 4.625%
HK$48,708
+HK$2,793/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,830/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,065
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,354
−HK$1,308/mo
Today · 4.125%
HK$50,662
baseline
▲ 0.50% · 4.625%
HK$53,333
+HK$2,671/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,324/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,741 · Scale 2, in force from 26 Feb 2026)