LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,610
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,345
−HK$746/mo
Today · 4.125%
HK$25,091
baseline
▲ 0.50% · 4.625%
HK$26,618
+HK$1,527/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,182/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,266
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,971
−HK$714/mo
Today · 4.125%
HK$27,685
baseline
▲ 0.50% · 4.625%
HK$29,145
+HK$1,460/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,370/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,332
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,214
−HK$895/mo
Today · 4.125%
HK$30,109
baseline
▲ 0.50% · 4.625%
HK$31,941
+HK$1,832/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,218/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,519
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,365
−HK$857/mo
Today · 4.125%
HK$33,222
baseline
▲ 0.50% · 4.625%
HK$34,973
+HK$1,751/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,444/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,054
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,082
−HK$1,045/mo
Today · 4.125%
HK$35,127
baseline
▲ 0.50% · 4.625%
HK$37,265
+HK$2,138/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,254/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,773
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,759
−HK$1,000/mo
Today · 4.125%
HK$38,759
baseline
▲ 0.50% · 4.625%
HK$40,802
+HK$2,043/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,518/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,498
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,820
−HK$1,343/mo
Today · 4.125%
HK$45,163
baseline
▲ 0.50% · 4.625%
HK$47,912
+HK$2,749/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$90,326/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,279
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,547
−HK$1,286/mo
Today · 4.125%
HK$49,833
baseline
▲ 0.50% · 4.625%
HK$52,460
+HK$2,627/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$99,666/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,283 · Scale 2, in force from 26 Feb 2026)