LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,608
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,342
−HK$746/mo
Today · 4.125%
HK$25,088
baseline
▲ 0.50% · 4.625%
HK$26,615
+HK$1,527/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,176/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,263
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,968
−HK$714/mo
Today · 4.125%
HK$27,682
baseline
▲ 0.50% · 4.625%
HK$29,141
+HK$1,459/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,364/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,329
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,210
−HK$896/mo
Today · 4.125%
HK$30,106
baseline
▲ 0.50% · 4.625%
HK$31,938
+HK$1,832/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,212/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,516
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,361
−HK$858/mo
Today · 4.125%
HK$33,219
baseline
▲ 0.50% · 4.625%
HK$34,970
+HK$1,751/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,438/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,051
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,079
−HK$1,044/mo
Today · 4.125%
HK$35,123
baseline
▲ 0.50% · 4.625%
HK$37,261
+HK$2,138/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,246/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,769
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,755
−HK$1,000/mo
Today · 4.125%
HK$38,755
baseline
▲ 0.50% · 4.625%
HK$40,798
+HK$2,043/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,510/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,494
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,816
−HK$1,343/mo
Today · 4.125%
HK$45,159
baseline
▲ 0.50% · 4.625%
HK$47,906
+HK$2,747/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$90,318/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,274
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,542
−HK$1,286/mo
Today · 4.125%
HK$49,828
baseline
▲ 0.50% · 4.625%
HK$52,455
+HK$2,627/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$99,656/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,241 · Scale 2, in force from 26 Feb 2026)