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$26,592
+HK$1,526/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$387,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,241
−HK$1,417/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$387,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,305
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,185
−HK$895/mo
Today · 4.125%
HK$30,080
baseline
▲ 0.50% · 4.625%
HK$31,910
+HK$1,830/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,160/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$387,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,489
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,333
−HK$857/mo
Today · 4.125%
HK$33,190
baseline
▲ 0.50% · 4.625%
HK$34,940
+HK$1,750/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$387,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,022
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,049
−HK$1,044/mo
Today · 4.125%
HK$35,093
baseline
▲ 0.50% · 4.625%
HK$37,228
+HK$2,135/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$70,186/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,737
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,722
−HK$1,000/mo
Today · 4.125%
HK$38,722
baseline
▲ 0.50% · 4.625%
HK$40,763
+HK$2,041/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$77,444/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,457
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$43,778
−HK$1,342/mo
Today · 4.125%
HK$45,120
baseline
▲ 0.50% · 4.625%
HK$47,865
+HK$2,745/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$90,240/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,233
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,500
−HK$1,285/mo
Today · 4.125%
HK$49,785
baseline
▲ 0.50% · 4.625%
HK$52,409
+HK$2,624/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$99,570/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,907 · Scale 2, in force from 26 Feb 2026)