LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,655
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,391
−HK$747/mo
Today · 4.125%
HK$25,138
baseline
▲ 0.50% · 4.625%
HK$26,668
+HK$1,530/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,276/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,316
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,022
−HK$716/mo
Today · 4.125%
HK$27,738
baseline
▲ 0.50% · 4.625%
HK$29,200
+HK$1,462/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,476/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,386
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,269
−HK$897/mo
Today · 4.125%
HK$30,166
baseline
▲ 0.50% · 4.625%
HK$32,002
+HK$1,836/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$60,332/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,579
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,426
−HK$859/mo
Today · 4.125%
HK$33,285
baseline
▲ 0.50% · 4.625%
HK$35,040
+HK$1,755/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$66,570/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,117
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,147
−HK$1,047/mo
Today · 4.125%
HK$35,194
baseline
▲ 0.50% · 4.625%
HK$37,335
+HK$2,141/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,388/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,842
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,830
−HK$1,003/mo
Today · 4.125%
HK$38,833
baseline
▲ 0.50% · 4.625%
HK$40,880
+HK$2,047/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,666/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,579
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$43,903
−HK$1,346/mo
Today · 4.125%
HK$45,249
baseline
▲ 0.50% · 4.625%
HK$48,002
+HK$2,753/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$90,498/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,369
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,639
−HK$1,289/mo
Today · 4.125%
HK$49,928
baseline
▲ 0.50% · 4.625%
HK$52,560
+HK$2,632/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$99,856/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,019 · Scale 2, in force from 26 Feb 2026)