LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,593
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,327
−HK$746/mo
Today · 4.125%
HK$25,073
baseline
▲ 0.50% · 4.625%
HK$26,598
+HK$1,525/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,146/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,247
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,951
−HK$714/mo
Today · 4.125%
HK$27,665
baseline
▲ 0.50% · 4.625%
HK$29,123
+HK$1,458/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,330/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,312
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,192
−HK$895/mo
Today · 4.125%
HK$30,087
baseline
▲ 0.50% · 4.625%
HK$31,918
+HK$1,831/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,174/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,496
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,341
−HK$857/mo
Today · 4.125%
HK$33,198
baseline
▲ 0.50% · 4.625%
HK$34,948
+HK$1,750/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,396/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,030
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,058
−HK$1,044/mo
Today · 4.125%
HK$35,102
baseline
▲ 0.50% · 4.625%
HK$37,237
+HK$2,135/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$70,204/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,746
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,731
−HK$1,000/mo
Today · 4.125%
HK$38,731
baseline
▲ 0.50% · 4.625%
HK$40,773
+HK$2,042/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$77,462/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,468
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$43,788
−HK$1,343/mo
Today · 4.125%
HK$45,131
baseline
▲ 0.50% · 4.625%
HK$47,877
+HK$2,746/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$90,262/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,245
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,512
−HK$1,285/mo
Today · 4.125%
HK$49,797
baseline
▲ 0.50% · 4.625%
HK$52,422
+HK$2,625/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$99,594/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,001 · Scale 2, in force from 26 Feb 2026)