LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,649
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,384
−HK$748/mo
Today · 4.125%
HK$25,132
baseline
▲ 0.50% · 4.625%
HK$26,661
+HK$1,529/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,264/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,309
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,015
−HK$715/mo
Today · 4.125%
HK$27,730
baseline
▲ 0.50% · 4.625%
HK$29,192
+HK$1,462/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,460/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,379
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,261
−HK$897/mo
Today · 4.125%
HK$30,158
baseline
▲ 0.50% · 4.625%
HK$31,993
+HK$1,835/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$60,316/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,571
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,418
−HK$859/mo
Today · 4.125%
HK$33,277
baseline
▲ 0.50% · 4.625%
HK$35,031
+HK$1,754/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$66,554/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,108
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,138
−HK$1,047/mo
Today · 4.125%
HK$35,185
baseline
▲ 0.50% · 4.625%
HK$37,325
+HK$2,140/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,370/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,833
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,821
−HK$1,002/mo
Today · 4.125%
HK$38,823
baseline
▲ 0.50% · 4.625%
HK$40,869
+HK$2,046/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,646/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,568
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$43,892
−HK$1,345/mo
Today · 4.125%
HK$45,237
baseline
▲ 0.50% · 4.625%
HK$47,990
+HK$2,753/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$90,474/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,356
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,626
−HK$1,289/mo
Today · 4.125%
HK$49,915
baseline
▲ 0.50% · 4.625%
HK$52,546
+HK$2,631/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$99,830/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,917 · Scale 2, in force from 26 Feb 2026)