LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,671
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,407
−HK$748/mo
Today · 4.125%
HK$25,155
baseline
▲ 0.50% · 4.625%
HK$26,686
+HK$1,531/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,310/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,334
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,040
−HK$717/mo
Today · 4.125%
HK$27,757
baseline
▲ 0.50% · 4.625%
HK$29,220
+HK$1,463/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,514/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,405
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,289
−HK$898/mo
Today · 4.125%
HK$30,187
baseline
▲ 0.50% · 4.625%
HK$32,023
+HK$1,836/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$60,374/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,601
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,448
−HK$860/mo
Today · 4.125%
HK$33,308
baseline
▲ 0.50% · 4.625%
HK$35,064
+HK$1,756/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$66,616/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,140
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,170
−HK$1,048/mo
Today · 4.125%
HK$35,218
baseline
▲ 0.50% · 4.625%
HK$37,361
+HK$2,143/mo
Deposit HK$3.11M · loan HK$7.27M · min. income ≈ HK$70,436/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,867
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,856
−HK$1,003/mo
Today · 4.125%
HK$38,859
baseline
▲ 0.50% · 4.625%
HK$40,908
+HK$2,049/mo
Deposit HK$3.11M · loan HK$7.27M · min. income ≈ HK$77,718/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,608
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$43,933
−HK$1,347/mo
Today · 4.125%
HK$45,280
baseline
▲ 0.50% · 4.625%
HK$48,035
+HK$2,755/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$90,560/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,401
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$48,672
−HK$1,290/mo
Today · 4.125%
HK$49,962
baseline
▲ 0.50% · 4.625%
HK$52,595
+HK$2,633/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$99,924/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,284 · Scale 2, in force from 26 Feb 2026)