LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,599
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,334
−HK$745/mo
Today · 4.125%
HK$25,079
baseline
▲ 0.50% · 4.625%
HK$26,605
+HK$1,526/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,158/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,254
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,958
−HK$715/mo
Today · 4.125%
HK$27,673
baseline
▲ 0.50% · 4.625%
HK$29,131
+HK$1,458/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,346/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,319
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,200
−HK$895/mo
Today · 4.125%
HK$30,095
baseline
▲ 0.50% · 4.625%
HK$31,926
+HK$1,831/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,190/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,505
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,350
−HK$857/mo
Today · 4.125%
HK$33,207
baseline
▲ 0.50% · 4.625%
HK$34,958
+HK$1,751/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,414/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,039
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,067
−HK$1,044/mo
Today · 4.125%
HK$35,111
baseline
▲ 0.50% · 4.625%
HK$37,248
+HK$2,137/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$70,222/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,756
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,742
−HK$1,000/mo
Today · 4.125%
HK$38,742
baseline
▲ 0.50% · 4.625%
HK$40,784
+HK$2,042/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$77,484/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,479
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$43,800
−HK$1,343/mo
Today · 4.125%
HK$45,143
baseline
▲ 0.50% · 4.625%
HK$47,890
+HK$2,747/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$90,286/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,258
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,525
−HK$1,286/mo
Today · 4.125%
HK$49,811
baseline
▲ 0.50% · 4.625%
HK$52,436
+HK$2,625/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$99,622/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,106 · Scale 2, in force from 26 Feb 2026)