LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,606
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,340
−HK$746/mo
Today · 4.125%
HK$25,086
baseline
▲ 0.50% · 4.625%
HK$26,613
+HK$1,527/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,172/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,262
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,966
−HK$714/mo
Today · 4.125%
HK$27,680
baseline
▲ 0.50% · 4.625%
HK$29,139
+HK$1,459/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,360/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,327
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,208
−HK$896/mo
Today · 4.125%
HK$30,104
baseline
▲ 0.50% · 4.625%
HK$31,935
+HK$1,831/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,208/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,514
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,359
−HK$857/mo
Today · 4.125%
HK$33,216
baseline
▲ 0.50% · 4.625%
HK$34,967
+HK$1,751/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,432/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,048
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,076
−HK$1,045/mo
Today · 4.125%
HK$35,121
baseline
▲ 0.50% · 4.625%
HK$37,258
+HK$2,137/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,242/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,766
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,752
−HK$1,000/mo
Today · 4.125%
HK$38,752
baseline
▲ 0.50% · 4.625%
HK$40,795
+HK$2,043/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,504/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,491
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$43,813
−HK$1,342/mo
Today · 4.125%
HK$45,155
baseline
▲ 0.50% · 4.625%
HK$47,903
+HK$2,748/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$90,310/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,271
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,538
−HK$1,287/mo
Today · 4.125%
HK$49,825
baseline
▲ 0.50% · 4.625%
HK$52,451
+HK$2,626/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$99,650/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,214 · Scale 2, in force from 26 Feb 2026)