LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,613
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,347
−HK$746/mo
Today · 4.125%
HK$25,093
baseline
▲ 0.50% · 4.625%
HK$26,620
+HK$1,527/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,186/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,269
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,973
−HK$715/mo
Today · 4.125%
HK$27,688
baseline
▲ 0.50% · 4.625%
HK$29,148
+HK$1,460/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,376/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,335
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,217
−HK$895/mo
Today · 4.125%
HK$30,112
baseline
▲ 0.50% · 4.625%
HK$31,944
+HK$1,832/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,224/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,523
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,368
−HK$858/mo
Today · 4.125%
HK$33,226
baseline
▲ 0.50% · 4.625%
HK$34,977
+HK$1,751/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,452/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,058
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,086
−HK$1,045/mo
Today · 4.125%
HK$35,131
baseline
▲ 0.50% · 4.625%
HK$37,268
+HK$2,137/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,262/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,776
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,763
−HK$1,000/mo
Today · 4.125%
HK$38,763
baseline
▲ 0.50% · 4.625%
HK$40,807
+HK$2,044/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,526/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,503
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,825
−HK$1,343/mo
Today · 4.125%
HK$45,168
baseline
▲ 0.50% · 4.625%
HK$47,916
+HK$2,748/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$90,336/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,284
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,552
−HK$1,286/mo
Today · 4.125%
HK$49,838
baseline
▲ 0.50% · 4.625%
HK$52,466
+HK$2,628/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$99,676/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,323 · Scale 2, in force from 26 Feb 2026)