LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,615
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,350
−HK$746/mo
Today · 4.125%
HK$25,096
baseline
▲ 0.50% · 4.625%
HK$26,623
+HK$1,527/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,192/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,272
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,976
−HK$715/mo
Today · 4.125%
HK$27,691
baseline
▲ 0.50% · 4.625%
HK$29,151
+HK$1,460/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,382/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,338
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,220
−HK$895/mo
Today · 4.125%
HK$30,115
baseline
▲ 0.50% · 4.625%
HK$31,948
+HK$1,833/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,230/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,526
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,372
−HK$857/mo
Today · 4.125%
HK$33,229
baseline
▲ 0.50% · 4.625%
HK$34,981
+HK$1,752/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,458/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,061
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,090
−HK$1,045/mo
Today · 4.125%
HK$35,135
baseline
▲ 0.50% · 4.625%
HK$37,272
+HK$2,137/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,270/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,780
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,767
−HK$1,001/mo
Today · 4.125%
HK$38,768
baseline
▲ 0.50% · 4.625%
HK$40,811
+HK$2,043/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,536/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,507
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$43,830
−HK$1,343/mo
Today · 4.125%
HK$45,173
baseline
▲ 0.50% · 4.625%
HK$47,922
+HK$2,749/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$90,346/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,289
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$48,557
−HK$1,287/mo
Today · 4.125%
HK$49,844
baseline
▲ 0.50% · 4.625%
HK$52,471
+HK$2,627/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$99,688/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,366 · Scale 2, in force from 26 Feb 2026)