LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,017
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,764
−HK$759/mo
Today · 4.125%
HK$25,523
baseline
▲ 0.50% · 4.625%
HK$27,076
+HK$1,553/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,046/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,719
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,435
−HK$727/mo
Today · 4.125%
HK$28,162
baseline
▲ 0.50% · 4.625%
HK$29,647
+HK$1,485/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,324/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,821
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,717
−HK$911/mo
Today · 4.125%
HK$30,628
baseline
▲ 0.50% · 4.625%
HK$32,491
+HK$1,863/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$61,256/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,063
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,922
−HK$873/mo
Today · 4.125%
HK$33,795
baseline
▲ 0.50% · 4.625%
HK$35,576
+HK$1,781/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$67,590/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,624
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,670
−HK$1,062/mo
Today · 4.125%
HK$35,732
baseline
▲ 0.50% · 4.625%
HK$37,907
+HK$2,175/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$71,464/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,406
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,409
−HK$1,018/mo
Today · 4.125%
HK$39,427
baseline
▲ 0.50% · 4.625%
HK$41,505
+HK$2,078/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,854/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,231
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$44,575
−HK$1,367/mo
Today · 4.125%
HK$45,942
baseline
▲ 0.50% · 4.625%
HK$48,737
+HK$2,795/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$91,884/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,094
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,384
−HK$1,308/mo
Today · 4.125%
HK$50,692
baseline
▲ 0.50% · 4.625%
HK$53,364
+HK$2,672/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$101,384/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,974 · Scale 2, in force from 26 Feb 2026)