LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,619
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,353
−HK$747/mo
Today · 4.125%
HK$25,100
baseline
▲ 0.50% · 4.625%
HK$26,627
+HK$1,527/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,200/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,276
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,980
−HK$715/mo
Today · 4.125%
HK$27,695
baseline
▲ 0.50% · 4.625%
HK$29,155
+HK$1,460/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,390/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,342
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,224
−HK$896/mo
Today · 4.125%
HK$30,120
baseline
▲ 0.50% · 4.625%
HK$31,952
+HK$1,832/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,240/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,531
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,376
−HK$858/mo
Today · 4.125%
HK$33,234
baseline
▲ 0.50% · 4.625%
HK$34,986
+HK$1,752/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,468/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,066
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,095
−HK$1,045/mo
Today · 4.125%
HK$35,140
baseline
▲ 0.50% · 4.625%
HK$37,278
+HK$2,138/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,280/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,786
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,772
−HK$1,001/mo
Today · 4.125%
HK$38,773
baseline
▲ 0.50% · 4.625%
HK$40,817
+HK$2,044/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,546/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,514
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$43,836
−HK$1,344/mo
Today · 4.125%
HK$45,180
baseline
▲ 0.50% · 4.625%
HK$47,929
+HK$2,749/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$90,360/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,296
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$48,564
−HK$1,287/mo
Today · 4.125%
HK$49,851
baseline
▲ 0.50% · 4.625%
HK$52,479
+HK$2,628/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$99,702/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,422 · Scale 2, in force from 26 Feb 2026)