LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,590
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,324
−HK$746/mo
Today · 4.125%
HK$25,070
baseline
▲ 0.50% · 4.625%
HK$26,595
+HK$1,525/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,140/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,244
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,948
−HK$714/mo
Today · 4.125%
HK$27,662
baseline
▲ 0.50% · 4.625%
HK$29,120
+HK$1,458/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,324/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,308
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,189
−HK$894/mo
Today · 4.125%
HK$30,083
baseline
▲ 0.50% · 4.625%
HK$31,914
+HK$1,831/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,166/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$387,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,493
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,337
−HK$857/mo
Today · 4.125%
HK$33,194
baseline
▲ 0.50% · 4.625%
HK$34,944
+HK$1,750/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,388/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$387,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,026
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,054
−HK$1,043/mo
Today · 4.125%
HK$35,097
baseline
▲ 0.50% · 4.625%
HK$37,233
+HK$2,136/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$70,194/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,741
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,727
−HK$999/mo
Today · 4.125%
HK$38,726
baseline
▲ 0.50% · 4.625%
HK$40,768
+HK$2,042/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$77,452/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,462
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$43,783
−HK$1,342/mo
Today · 4.125%
HK$45,125
baseline
▲ 0.50% · 4.625%
HK$47,871
+HK$2,746/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$90,250/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,239
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,506
−HK$1,285/mo
Today · 4.125%
HK$49,791
baseline
▲ 0.50% · 4.625%
HK$52,416
+HK$2,625/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$99,582/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,954 · Scale 2, in force from 26 Feb 2026)