LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,674
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,411
−HK$748/mo
Today · 4.125%
HK$25,159
baseline
▲ 0.50% · 4.625%
HK$26,690
+HK$1,531/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,318/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,338
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,044
−HK$716/mo
Today · 4.125%
HK$27,760
baseline
▲ 0.50% · 4.625%
HK$29,224
+HK$1,464/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,520/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,409
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,293
−HK$898/mo
Today · 4.125%
HK$30,191
baseline
▲ 0.50% · 4.625%
HK$32,028
+HK$1,837/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$60,382/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,605
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,453
−HK$860/mo
Today · 4.125%
HK$33,313
baseline
▲ 0.50% · 4.625%
HK$35,068
+HK$1,755/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$66,626/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,144
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,175
−HK$1,048/mo
Today · 4.125%
HK$35,223
baseline
▲ 0.50% · 4.625%
HK$37,366
+HK$2,143/mo
Deposit HK$3.11M · loan HK$7.27M · min. income ≈ HK$70,446/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,873
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,861
−HK$1,004/mo
Today · 4.125%
HK$38,865
baseline
▲ 0.50% · 4.625%
HK$40,913
+HK$2,048/mo
Deposit HK$3.11M · loan HK$7.27M · min. income ≈ HK$77,730/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,614
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$43,939
−HK$1,347/mo
Today · 4.125%
HK$45,286
baseline
▲ 0.50% · 4.625%
HK$48,042
+HK$2,756/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$90,572/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,408
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$48,679
−HK$1,290/mo
Today · 4.125%
HK$49,969
baseline
▲ 0.50% · 4.625%
HK$52,603
+HK$2,634/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$99,938/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,338 · Scale 2, in force from 26 Feb 2026)