LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,625
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,360
−HK$746/mo
Today · 4.125%
HK$25,106
baseline
▲ 0.50% · 4.625%
HK$26,634
+HK$1,528/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,212/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,282
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,987
−HK$715/mo
Today · 4.125%
HK$27,702
baseline
▲ 0.50% · 4.625%
HK$29,163
+HK$1,461/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,404/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,350
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,232
−HK$896/mo
Today · 4.125%
HK$30,128
baseline
▲ 0.50% · 4.625%
HK$31,961
+HK$1,833/mo
Deposit HK$4.14M · loan HK$6.22M · min. income ≈ HK$60,256/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,539
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,385
−HK$858/mo
Today · 4.125%
HK$33,243
baseline
▲ 0.50% · 4.625%
HK$34,995
+HK$1,752/mo
Deposit HK$4.14M · loan HK$6.22M · min. income ≈ HK$66,486/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,075
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,104
−HK$1,045/mo
Today · 4.125%
HK$35,149
baseline
▲ 0.50% · 4.625%
HK$37,288
+HK$2,139/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,298/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,795
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,782
−HK$1,001/mo
Today · 4.125%
HK$38,783
baseline
▲ 0.50% · 4.625%
HK$40,828
+HK$2,045/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,566/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,525
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$43,848
−HK$1,344/mo
Today · 4.125%
HK$45,192
baseline
▲ 0.50% · 4.625%
HK$47,941
+HK$2,749/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$90,384/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,308
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$48,577
−HK$1,287/mo
Today · 4.125%
HK$49,864
baseline
▲ 0.50% · 4.625%
HK$52,493
+HK$2,629/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$99,728/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,524 · Scale 2, in force from 26 Feb 2026)