LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,679
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,416
−HK$748/mo
Today · 4.125%
HK$25,164
baseline
▲ 0.50% · 4.625%
HK$26,696
+HK$1,532/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,328/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,343
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,050
−HK$716/mo
Today · 4.125%
HK$27,766
baseline
▲ 0.50% · 4.625%
HK$29,230
+HK$1,464/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,532/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,415
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,299
−HK$898/mo
Today · 4.125%
HK$30,197
baseline
▲ 0.50% · 4.625%
HK$32,035
+HK$1,838/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$60,394/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,612
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,460
−HK$860/mo
Today · 4.125%
HK$33,320
baseline
▲ 0.50% · 4.625%
HK$35,076
+HK$1,756/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$66,640/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,151
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,182
−HK$1,048/mo
Today · 4.125%
HK$35,230
baseline
▲ 0.50% · 4.625%
HK$37,374
+HK$2,144/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$70,460/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,880
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,870
−HK$1,003/mo
Today · 4.125%
HK$38,873
baseline
▲ 0.50% · 4.625%
HK$40,922
+HK$2,049/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$77,746/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,623
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,949
−HK$1,347/mo
Today · 4.125%
HK$45,296
baseline
▲ 0.50% · 4.625%
HK$48,052
+HK$2,756/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$90,592/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,418
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$48,689
−HK$1,290/mo
Today · 4.125%
HK$49,979
baseline
▲ 0.50% · 4.625%
HK$52,614
+HK$2,635/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$99,958/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,421 · Scale 2, in force from 26 Feb 2026)