LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,610
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,344
−HK$746/mo
Today · 4.125%
HK$25,090
baseline
▲ 0.50% · 4.625%
HK$26,617
+HK$1,527/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,180/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,265
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,970
−HK$714/mo
Today · 4.125%
HK$27,684
baseline
▲ 0.50% · 4.625%
HK$29,144
+HK$1,460/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,368/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,331
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,213
−HK$895/mo
Today · 4.125%
HK$30,108
baseline
▲ 0.50% · 4.625%
HK$31,940
+HK$1,832/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,216/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,518
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,364
−HK$857/mo
Today · 4.125%
HK$33,221
baseline
▲ 0.50% · 4.625%
HK$34,972
+HK$1,751/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,442/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,053
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,082
−HK$1,044/mo
Today · 4.125%
HK$35,126
baseline
▲ 0.50% · 4.625%
HK$37,263
+HK$2,137/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,252/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,772
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,758
−HK$1,000/mo
Today · 4.125%
HK$38,758
baseline
▲ 0.50% · 4.625%
HK$40,801
+HK$2,043/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,516/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,497
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,819
−HK$1,343/mo
Today · 4.125%
HK$45,162
baseline
▲ 0.50% · 4.625%
HK$47,910
+HK$2,748/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$90,324/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,278
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,546
−HK$1,286/mo
Today · 4.125%
HK$49,832
baseline
▲ 0.50% · 4.625%
HK$52,459
+HK$2,627/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$99,664/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,272 · Scale 2, in force from 26 Feb 2026)