LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,018
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,765
−HK$759/mo
Today · 4.125%
HK$25,524
baseline
▲ 0.50% · 4.625%
HK$27,077
+HK$1,553/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,048/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,719
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,436
−HK$727/mo
Today · 4.125%
HK$28,163
baseline
▲ 0.50% · 4.625%
HK$29,647
+HK$1,484/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,326/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,821
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,718
−HK$910/mo
Today · 4.125%
HK$30,628
baseline
▲ 0.50% · 4.625%
HK$32,492
+HK$1,864/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$394,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,063
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,923
−HK$873/mo
Today · 4.125%
HK$33,796
baseline
▲ 0.50% · 4.625%
HK$35,577
+HK$1,781/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$67,592/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,625
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,671
−HK$1,062/mo
Today · 4.125%
HK$35,733
baseline
▲ 0.50% · 4.625%
HK$37,908
+HK$2,175/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$71,466/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,407
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,410
−HK$1,018/mo
Today · 4.125%
HK$39,428
baseline
▲ 0.50% · 4.625%
HK$41,506
+HK$2,078/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,856/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,232
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$44,576
−HK$1,367/mo
Today · 4.125%
HK$45,943
baseline
▲ 0.50% · 4.625%
HK$48,738
+HK$2,795/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$91,886/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,095
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,385
−HK$1,308/mo
Today · 4.125%
HK$50,693
baseline
▲ 0.50% · 4.625%
HK$53,365
+HK$2,672/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$101,386/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,983 · Scale 2, in force from 26 Feb 2026)