LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,589
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,323
−HK$745/mo
Today · 4.125%
HK$25,068
baseline
▲ 0.50% · 4.625%
HK$26,594
+HK$1,526/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,136/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,243
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,946
−HK$714/mo
Today · 4.125%
HK$27,660
baseline
▲ 0.50% · 4.625%
HK$29,118
+HK$1,458/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,320/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,307
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,187
−HK$895/mo
Today · 4.125%
HK$30,082
baseline
▲ 0.50% · 4.625%
HK$31,912
+HK$1,830/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,164/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$387,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,491
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,336
−HK$856/mo
Today · 4.125%
HK$33,192
baseline
▲ 0.50% · 4.625%
HK$34,942
+HK$1,750/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,384/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$387,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,025
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,052
−HK$1,044/mo
Today · 4.125%
HK$35,096
baseline
▲ 0.50% · 4.625%
HK$37,231
+HK$2,135/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$70,192/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,740
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,725
−HK$1,000/mo
Today · 4.125%
HK$38,725
baseline
▲ 0.50% · 4.625%
HK$40,766
+HK$2,041/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$77,450/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,460
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$43,781
−HK$1,342/mo
Today · 4.125%
HK$45,123
baseline
▲ 0.50% · 4.625%
HK$47,869
+HK$2,746/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$90,246/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,237
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,504
−HK$1,285/mo
Today · 4.125%
HK$49,789
baseline
▲ 0.50% · 4.625%
HK$52,413
+HK$2,624/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$99,578/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,935 · Scale 2, in force from 26 Feb 2026)