LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,529
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,260
−HK$744/mo
Today · 4.125%
HK$25,004
baseline
▲ 0.50% · 4.625%
HK$26,525
+HK$1,521/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$50,008/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$386,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,175
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,877
−HK$712/mo
Today · 4.125%
HK$27,589
baseline
▲ 0.50% · 4.625%
HK$29,044
+HK$1,455/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,178/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$386,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,234
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,112
−HK$893/mo
Today · 4.125%
HK$30,005
baseline
▲ 0.50% · 4.625%
HK$31,830
+HK$1,825/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$60,010/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,410
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,253
−HK$854/mo
Today · 4.125%
HK$33,107
baseline
▲ 0.50% · 4.625%
HK$34,852
+HK$1,745/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$66,214/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,940
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,965
−HK$1,041/mo
Today · 4.125%
HK$35,006
baseline
▲ 0.50% · 4.625%
HK$37,136
+HK$2,130/mo
Deposit HK$3.10M · loan HK$7.22M · min. income ≈ HK$70,012/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,645
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,628
−HK$997/mo
Today · 4.125%
HK$38,625
baseline
▲ 0.50% · 4.625%
HK$40,661
+HK$2,036/mo
Deposit HK$3.10M · loan HK$7.22M · min. income ≈ HK$77,250/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,351
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$43,669
−HK$1,338/mo
Today · 4.125%
HK$45,007
baseline
▲ 0.50% · 4.625%
HK$47,746
+HK$2,739/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$90,014/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,115
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,379
−HK$1,282/mo
Today · 4.125%
HK$49,661
baseline
▲ 0.50% · 4.625%
HK$52,279
+HK$2,618/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$99,322/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,939 · Scale 2, in force from 26 Feb 2026)