LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,661
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,397
−HK$748/mo
Today · 4.125%
HK$25,145
baseline
▲ 0.50% · 4.625%
HK$26,675
+HK$1,530/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,290/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,322
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,028
−HK$717/mo
Today · 4.125%
HK$27,745
baseline
▲ 0.50% · 4.625%
HK$29,207
+HK$1,462/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,490/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,393
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,276
−HK$897/mo
Today · 4.125%
HK$30,173
baseline
▲ 0.50% · 4.625%
HK$32,009
+HK$1,836/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$60,346/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,587
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,434
−HK$859/mo
Today · 4.125%
HK$33,293
baseline
▲ 0.50% · 4.625%
HK$35,048
+HK$1,755/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$66,586/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,125
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,155
−HK$1,047/mo
Today · 4.125%
HK$35,202
baseline
▲ 0.50% · 4.625%
HK$37,344
+HK$2,142/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,404/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,851
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,840
−HK$1,002/mo
Today · 4.125%
HK$38,842
baseline
▲ 0.50% · 4.625%
HK$40,890
+HK$2,048/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,684/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,589
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$43,914
−HK$1,346/mo
Today · 4.125%
HK$45,260
baseline
▲ 0.50% · 4.625%
HK$48,014
+HK$2,754/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$90,520/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,380
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,651
−HK$1,289/mo
Today · 4.125%
HK$49,940
baseline
▲ 0.50% · 4.625%
HK$52,573
+HK$2,633/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$99,880/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,115 · Scale 2, in force from 26 Feb 2026)