LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,529
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,261
−HK$744/mo
Today · 4.125%
HK$25,005
baseline
▲ 0.50% · 4.625%
HK$26,526
+HK$1,521/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$50,010/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$386,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,176
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,878
−HK$712/mo
Today · 4.125%
HK$27,590
baseline
▲ 0.50% · 4.625%
HK$29,045
+HK$1,455/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$386,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,235
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,113
−HK$893/mo
Today · 4.125%
HK$30,006
baseline
▲ 0.50% · 4.625%
HK$31,831
+HK$1,825/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$60,012/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,411
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,254
−HK$854/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$386,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,941
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,966
−HK$1,041/mo
Today · 4.125%
HK$35,007
baseline
▲ 0.50% · 4.625%
HK$37,137
+HK$2,130/mo
Deposit HK$3.10M · loan HK$7.22M · min. income ≈ HK$70,014/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,646
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,629
−HK$997/mo
Today · 4.125%
HK$38,626
baseline
▲ 0.50% · 4.625%
HK$40,662
+HK$2,036/mo
Deposit HK$3.10M · loan HK$7.22M · min. income ≈ HK$77,252/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,353
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,670
−HK$1,338/mo
Today · 4.125%
HK$45,008
baseline
▲ 0.50% · 4.625%
HK$47,747
+HK$2,739/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$386,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,117
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$48,381
−HK$1,281/mo
Today · 4.125%
HK$49,662
baseline
▲ 0.50% · 4.625%
HK$52,280
+HK$2,618/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$99,324/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,951 · Scale 2, in force from 26 Feb 2026)