LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,033
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,781
−HK$759/mo
Today · 4.125%
HK$25,540
baseline
▲ 0.50% · 4.625%
HK$27,094
+HK$1,554/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,080/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,737
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,454
−HK$727/mo
Today · 4.125%
HK$28,181
baseline
▲ 0.50% · 4.625%
HK$29,667
+HK$1,486/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,362/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,840
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,737
−HK$911/mo
Today · 4.125%
HK$30,648
baseline
▲ 0.50% · 4.625%
HK$32,513
+HK$1,865/mo
Deposit HK$4.22M · loan HK$6.32M · min. income ≈ HK$61,296/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,084
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,944
−HK$873/mo
Today · 4.125%
HK$33,817
baseline
▲ 0.50% · 4.625%
HK$35,600
+HK$1,783/mo
Deposit HK$4.22M · loan HK$6.32M · min. income ≈ HK$67,634/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,646
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,693
−HK$1,063/mo
Today · 4.125%
HK$35,756
baseline
▲ 0.50% · 4.625%
HK$37,932
+HK$2,176/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$71,512/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,431
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,435
−HK$1,019/mo
Today · 4.125%
HK$39,454
baseline
▲ 0.50% · 4.625%
HK$41,533
+HK$2,079/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$78,908/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,260
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$44,605
−HK$1,367/mo
Today · 4.125%
HK$45,972
baseline
▲ 0.50% · 4.625%
HK$48,770
+HK$2,798/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$91,944/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,126
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,417
−HK$1,309/mo
Today · 4.125%
HK$50,726
baseline
▲ 0.50% · 4.625%
HK$53,400
+HK$2,674/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$101,452/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,238 · Scale 2, in force from 26 Feb 2026)