LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,642
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,378
−HK$747/mo
Today · 4.125%
HK$25,125
baseline
▲ 0.50% · 4.625%
HK$26,654
+HK$1,529/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,250/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,302
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,007
−HK$716/mo
Today · 4.125%
HK$27,723
baseline
▲ 0.50% · 4.625%
HK$29,184
+HK$1,461/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,446/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,371
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,253
−HK$897/mo
Today · 4.125%
HK$30,150
baseline
▲ 0.50% · 4.625%
HK$31,984
+HK$1,834/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$60,300/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,562
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,409
−HK$858/mo
Today · 4.125%
HK$33,267
baseline
▲ 0.50% · 4.625%
HK$35,021
+HK$1,754/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$66,534/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,099
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$34,129
−HK$1,046/mo
Today · 4.125%
HK$35,175
baseline
▲ 0.50% · 4.625%
HK$37,315
+HK$2,140/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,350/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,822
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,810
−HK$1,002/mo
Today · 4.125%
HK$38,812
baseline
▲ 0.50% · 4.625%
HK$40,858
+HK$2,046/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,624/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,556
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$43,880
−HK$1,345/mo
Today · 4.125%
HK$45,225
baseline
▲ 0.50% · 4.625%
HK$47,976
+HK$2,751/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$90,450/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,343
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$48,613
−HK$1,288/mo
Today · 4.125%
HK$49,901
baseline
▲ 0.50% · 4.625%
HK$52,531
+HK$2,630/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$99,802/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,809 · Scale 2, in force from 26 Feb 2026)