LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,536
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,268
−HK$744/mo
Today · 4.125%
HK$25,012
baseline
▲ 0.50% · 4.625%
HK$26,534
+HK$1,522/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$50,024/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,184
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,886
−HK$712/mo
Today · 4.125%
HK$27,598
baseline
▲ 0.50% · 4.625%
HK$29,053
+HK$1,455/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,196/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,243
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,122
−HK$892/mo
Today · 4.125%
HK$30,014
baseline
▲ 0.50% · 4.625%
HK$31,841
+HK$1,827/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$60,028/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,420
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,263
−HK$855/mo
Today · 4.125%
HK$33,118
baseline
▲ 0.50% · 4.625%
HK$34,864
+HK$1,746/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$66,236/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,950
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,975
−HK$1,042/mo
Today · 4.125%
HK$35,017
baseline
▲ 0.50% · 4.625%
HK$37,147
+HK$2,130/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$70,034/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$387,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,657
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,640
−HK$998/mo
Today · 4.125%
HK$38,638
baseline
▲ 0.50% · 4.625%
HK$40,674
+HK$2,036/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$77,276/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$387,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,365
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$43,683
−HK$1,339/mo
Today · 4.125%
HK$45,022
baseline
▲ 0.50% · 4.625%
HK$47,761
+HK$2,739/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$90,044/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,131
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,395
−HK$1,282/mo
Today · 4.125%
HK$49,677
baseline
▲ 0.50% · 4.625%
HK$52,295
+HK$2,618/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$99,354/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,063 · Scale 2, in force from 26 Feb 2026)