LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,614
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,349
−HK$746/mo
Today · 4.125%
HK$25,095
baseline
▲ 0.50% · 4.625%
HK$26,622
+HK$1,527/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,190/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,270
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,975
−HK$715/mo
Today · 4.125%
HK$27,690
baseline
▲ 0.50% · 4.625%
HK$29,149
+HK$1,459/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,380/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,337
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,218
−HK$896/mo
Today · 4.125%
HK$30,114
baseline
▲ 0.50% · 4.625%
HK$31,946
+HK$1,832/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,228/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,524
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,370
−HK$858/mo
Today · 4.125%
HK$33,228
baseline
▲ 0.50% · 4.625%
HK$34,979
+HK$1,751/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,456/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,060
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,088
−HK$1,045/mo
Today · 4.125%
HK$35,133
baseline
▲ 0.50% · 4.625%
HK$37,271
+HK$2,138/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,266/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,779
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,765
−HK$1,001/mo
Today · 4.125%
HK$38,766
baseline
▲ 0.50% · 4.625%
HK$40,809
+HK$2,043/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,532/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,505
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$43,827
−HK$1,344/mo
Today · 4.125%
HK$45,171
baseline
▲ 0.50% · 4.625%
HK$47,919
+HK$2,748/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$90,342/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,287
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,555
−HK$1,286/mo
Today · 4.125%
HK$49,841
baseline
▲ 0.50% · 4.625%
HK$52,469
+HK$2,628/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$99,682/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,345 · Scale 2, in force from 26 Feb 2026)