LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,535
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,267
−HK$744/mo
Today · 4.125%
HK$25,011
baseline
▲ 0.50% · 4.625%
HK$26,532
+HK$1,521/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$50,022/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,182
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,884
−HK$713/mo
Today · 4.125%
HK$27,597
baseline
▲ 0.50% · 4.625%
HK$29,051
+HK$1,454/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,194/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,242
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,120
−HK$893/mo
Today · 4.125%
HK$30,013
baseline
▲ 0.50% · 4.625%
HK$31,839
+HK$1,826/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$60,026/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,419
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,261
−HK$855/mo
Today · 4.125%
HK$33,116
baseline
▲ 0.50% · 4.625%
HK$34,862
+HK$1,746/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$66,232/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,949
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,974
−HK$1,041/mo
Today · 4.125%
HK$35,015
baseline
▲ 0.50% · 4.625%
HK$37,145
+HK$2,130/mo
Deposit HK$3.10M · loan HK$7.22M · min. income ≈ HK$70,030/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$387,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,655
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,638
−HK$997/mo
Today · 4.125%
HK$38,635
baseline
▲ 0.50% · 4.625%
HK$40,672
+HK$2,037/mo
Deposit HK$3.10M · loan HK$7.22M · min. income ≈ HK$77,270/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$387,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,363
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$43,680
−HK$1,339/mo
Today · 4.125%
HK$45,019
baseline
▲ 0.50% · 4.625%
HK$47,758
+HK$2,739/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$90,038/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,128
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,392
−HK$1,282/mo
Today · 4.125%
HK$49,674
baseline
▲ 0.50% · 4.625%
HK$52,293
+HK$2,619/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$99,348/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,042 · Scale 2, in force from 26 Feb 2026)