LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,587
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,321
−HK$745/mo
Today · 4.125%
HK$25,066
baseline
▲ 0.50% · 4.625%
HK$26,591
+HK$1,525/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,132/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,240
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,944
−HK$714/mo
Today · 4.125%
HK$27,658
baseline
▲ 0.50% · 4.625%
HK$29,116
+HK$1,458/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,316/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,304
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,185
−HK$894/mo
Today · 4.125%
HK$30,079
baseline
▲ 0.50% · 4.625%
HK$31,910
+HK$1,831/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,158/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$387,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,488
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,333
−HK$857/mo
Today · 4.125%
HK$33,190
baseline
▲ 0.50% · 4.625%
HK$34,939
+HK$1,749/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,380/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$387,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,022
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,049
−HK$1,043/mo
Today · 4.125%
HK$35,092
baseline
▲ 0.50% · 4.625%
HK$37,228
+HK$2,136/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$70,184/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,736
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,722
−HK$999/mo
Today · 4.125%
HK$38,721
baseline
▲ 0.50% · 4.625%
HK$40,762
+HK$2,041/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$77,442/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,457
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$43,777
−HK$1,342/mo
Today · 4.125%
HK$45,119
baseline
▲ 0.50% · 4.625%
HK$47,864
+HK$2,745/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$90,238/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,232
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,499
−HK$1,285/mo
Today · 4.125%
HK$49,784
baseline
▲ 0.50% · 4.625%
HK$52,408
+HK$2,624/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$99,568/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,900 · Scale 2, in force from 26 Feb 2026)