LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,620
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,355
−HK$746/mo
Today · 4.125%
HK$25,101
baseline
▲ 0.50% · 4.625%
HK$26,629
+HK$1,528/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,202/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,277
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,982
−HK$715/mo
Today · 4.125%
HK$27,697
baseline
▲ 0.50% · 4.625%
HK$29,157
+HK$1,460/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,394/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,344
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,226
−HK$896/mo
Today · 4.125%
HK$30,122
baseline
▲ 0.50% · 4.625%
HK$31,954
+HK$1,832/mo
Deposit HK$4.14M · loan HK$6.22M · min. income ≈ HK$60,244/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,533
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,378
−HK$858/mo
Today · 4.125%
HK$33,236
baseline
▲ 0.50% · 4.625%
HK$34,988
+HK$1,752/mo
Deposit HK$4.14M · loan HK$6.22M · min. income ≈ HK$66,472/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,068
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,097
−HK$1,045/mo
Today · 4.125%
HK$35,142
baseline
▲ 0.50% · 4.625%
HK$37,280
+HK$2,138/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,284/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,788
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,775
−HK$1,001/mo
Today · 4.125%
HK$38,776
baseline
▲ 0.50% · 4.625%
HK$40,819
+HK$2,043/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,552/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,516
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$43,839
−HK$1,343/mo
Today · 4.125%
HK$45,182
baseline
▲ 0.50% · 4.625%
HK$47,932
+HK$2,750/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$90,364/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,299
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$48,567
−HK$1,287/mo
Today · 4.125%
HK$49,854
baseline
▲ 0.50% · 4.625%
HK$52,482
+HK$2,628/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$99,708/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,446 · Scale 2, in force from 26 Feb 2026)