LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,675
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,412
−HK$748/mo
Today · 4.125%
HK$25,160
baseline
▲ 0.50% · 4.625%
HK$26,691
+HK$1,531/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,320/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,339
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,045
−HK$717/mo
Today · 4.125%
HK$27,762
baseline
▲ 0.50% · 4.625%
HK$29,225
+HK$1,463/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,524/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,411
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,294
−HK$898/mo
Today · 4.125%
HK$30,192
baseline
▲ 0.50% · 4.625%
HK$32,029
+HK$1,837/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$60,384/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,606
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,454
−HK$860/mo
Today · 4.125%
HK$33,314
baseline
▲ 0.50% · 4.625%
HK$35,070
+HK$1,756/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$66,628/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,146
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,177
−HK$1,047/mo
Today · 4.125%
HK$35,224
baseline
▲ 0.50% · 4.625%
HK$37,367
+HK$2,143/mo
Deposit HK$3.11M · loan HK$7.27M · min. income ≈ HK$70,448/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,874
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,863
−HK$1,003/mo
Today · 4.125%
HK$38,866
baseline
▲ 0.50% · 4.625%
HK$40,915
+HK$2,049/mo
Deposit HK$3.11M · loan HK$7.27M · min. income ≈ HK$77,732/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,616
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$43,941
−HK$1,347/mo
Today · 4.125%
HK$45,288
baseline
▲ 0.50% · 4.625%
HK$48,044
+HK$2,756/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$90,576/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,410
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$48,681
−HK$1,290/mo
Today · 4.125%
HK$49,971
baseline
▲ 0.50% · 4.625%
HK$52,605
+HK$2,634/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$99,942/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,355 · Scale 2, in force from 26 Feb 2026)