LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,607
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,341
−HK$746/mo
Today · 4.125%
HK$25,087
baseline
▲ 0.50% · 4.625%
HK$26,614
+HK$1,527/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,174/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,263
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,967
−HK$714/mo
Today · 4.125%
HK$27,681
baseline
▲ 0.50% · 4.625%
HK$29,141
+HK$1,460/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,362/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,328
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,210
−HK$895/mo
Today · 4.125%
HK$30,105
baseline
▲ 0.50% · 4.625%
HK$31,937
+HK$1,832/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,210/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,515
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,360
−HK$858/mo
Today · 4.125%
HK$33,218
baseline
▲ 0.50% · 4.625%
HK$34,969
+HK$1,751/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,436/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,050
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,078
−HK$1,044/mo
Today · 4.125%
HK$35,122
baseline
▲ 0.50% · 4.625%
HK$37,259
+HK$2,137/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,244/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,768
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,754
−HK$1,000/mo
Today · 4.125%
HK$38,754
baseline
▲ 0.50% · 4.625%
HK$40,797
+HK$2,043/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,508/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,493
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$43,814
−HK$1,343/mo
Today · 4.125%
HK$45,157
baseline
▲ 0.50% · 4.625%
HK$47,905
+HK$2,748/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$90,314/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,273
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,540
−HK$1,287/mo
Today · 4.125%
HK$49,827
baseline
▲ 0.50% · 4.625%
HK$52,453
+HK$2,626/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$99,654/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,229 · Scale 2, in force from 26 Feb 2026)