LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,529
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,261
−HK$743/mo
Today · 4.125%
HK$25,004
baseline
▲ 0.50% · 4.625%
HK$26,526
+HK$1,522/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$386,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,175
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,877
−HK$713/mo
Today · 4.125%
HK$27,590
baseline
▲ 0.50% · 4.625%
HK$29,044
+HK$1,454/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,180/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$386,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,234
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,113
−HK$892/mo
Today · 4.125%
HK$30,005
baseline
▲ 0.50% · 4.625%
HK$31,831
+HK$1,826/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$386,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,411
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,253
−HK$855/mo
Today · 4.125%
HK$33,108
baseline
▲ 0.50% · 4.625%
HK$34,853
+HK$1,745/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$66,216/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,942 · 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$386,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,646
−HK$1,979/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$386,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,352
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$43,669
−HK$1,339/mo
Today · 4.125%
HK$45,008
baseline
▲ 0.50% · 4.625%
HK$47,746
+HK$2,738/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$90,016/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,116
−HK$2,545/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$386,942 · Scale 2, in force from 26 Feb 2026)