LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,638
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,373
−HK$747/mo
Today · 4.125%
HK$25,120
baseline
▲ 0.50% · 4.625%
HK$26,648
+HK$1,528/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,240/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,297
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$27,002
−HK$715/mo
Today · 4.125%
HK$27,717
baseline
▲ 0.50% · 4.625%
HK$29,178
+HK$1,461/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,434/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,365
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,247
−HK$897/mo
Today · 4.125%
HK$30,144
baseline
▲ 0.50% · 4.625%
HK$31,978
+HK$1,834/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$60,288/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,556
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,402
−HK$859/mo
Today · 4.125%
HK$33,261
baseline
▲ 0.50% · 4.625%
HK$35,014
+HK$1,753/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$66,522/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,093
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,122
−HK$1,046/mo
Today · 4.125%
HK$35,168
baseline
▲ 0.50% · 4.625%
HK$37,308
+HK$2,140/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,336/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,815
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,802
−HK$1,002/mo
Today · 4.125%
HK$38,804
baseline
▲ 0.50% · 4.625%
HK$40,850
+HK$2,046/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,608/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,548
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,871
−HK$1,345/mo
Today · 4.125%
HK$45,216
baseline
▲ 0.50% · 4.625%
HK$47,967
+HK$2,751/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$90,432/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,334
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,603
−HK$1,288/mo
Today · 4.125%
HK$49,891
baseline
▲ 0.50% · 4.625%
HK$52,521
+HK$2,630/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$99,782/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,732 · Scale 2, in force from 26 Feb 2026)