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$27,061
+HK$1,553/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$394,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,703
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,420
−HK$726/mo
Today · 4.125%
HK$28,146
baseline
▲ 0.50% · 4.625%
HK$29,630
+HK$1,484/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$394,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,804
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,700
−HK$910/mo
Today · 4.125%
HK$30,610
baseline
▲ 0.50% · 4.625%
HK$32,473
+HK$1,863/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$394,746 · 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$35,556
+HK$1,781/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$394,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,605
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,650
−HK$1,062/mo
Today · 4.125%
HK$35,712
baseline
▲ 0.50% · 4.625%
HK$37,885
+HK$2,173/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$71,424/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,385
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,387
−HK$1,018/mo
Today · 4.125%
HK$39,405
baseline
▲ 0.50% · 4.625%
HK$41,482
+HK$2,077/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,810/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,206
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,550
−HK$1,365/mo
Today · 4.125%
HK$45,915
baseline
▲ 0.50% · 4.625%
HK$48,709
+HK$2,794/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$394,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,066
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,355
−HK$1,308/mo
Today · 4.125%
HK$50,663
baseline
▲ 0.50% · 4.625%
HK$53,333
+HK$2,670/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,326/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,746 · Scale 2, in force from 26 Feb 2026)