LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,608
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,343
−HK$746/mo
Today · 4.125%
HK$25,089
baseline
▲ 0.50% · 4.625%
HK$26,615
+HK$1,526/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,178/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,264
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,968
−HK$715/mo
Today · 4.125%
HK$27,683
baseline
▲ 0.50% · 4.625%
HK$29,142
+HK$1,459/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,366/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,330
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,211
−HK$895/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$388,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,517
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,362
−HK$857/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$388,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,052
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,080
−HK$1,044/mo
Today · 4.125%
HK$35,124
baseline
▲ 0.50% · 4.625%
HK$37,261
+HK$2,137/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,248/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,769
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,756
−HK$1,000/mo
Today · 4.125%
HK$38,756
baseline
▲ 0.50% · 4.625%
HK$40,799
+HK$2,043/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,512/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,495
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,817
−HK$1,343/mo
Today · 4.125%
HK$45,160
baseline
▲ 0.50% · 4.625%
HK$47,907
+HK$2,747/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$90,320/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,275
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,543
−HK$1,286/mo
Today · 4.125%
HK$49,829
baseline
▲ 0.50% · 4.625%
HK$52,456
+HK$2,627/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$99,658/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,250 · Scale 2, in force from 26 Feb 2026)