LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,680
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,416
−HK$749/mo
Today · 4.125%
HK$25,165
baseline
▲ 0.50% · 4.625%
HK$26,696
+HK$1,531/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,330/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,344
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,050
−HK$717/mo
Today · 4.125%
HK$27,767
baseline
▲ 0.50% · 4.625%
HK$29,230
+HK$1,463/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,534/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,416
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,300
−HK$898/mo
Today · 4.125%
HK$30,198
baseline
▲ 0.50% · 4.625%
HK$32,035
+HK$1,837/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$60,396/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,427 · 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$35,077
+HK$1,757/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$389,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,152
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,183
−HK$1,048/mo
Today · 4.125%
HK$35,231
baseline
▲ 0.50% · 4.625%
HK$37,374
+HK$2,143/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$70,462/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,881
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,870
−HK$1,004/mo
Today · 4.125%
HK$38,874
baseline
▲ 0.50% · 4.625%
HK$40,923
+HK$2,049/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$77,748/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,624
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,949
−HK$1,348/mo
Today · 4.125%
HK$45,297
baseline
▲ 0.50% · 4.625%
HK$48,053
+HK$2,756/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$90,594/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,418
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$48,690
−HK$1,290/mo
Today · 4.125%
HK$49,980
baseline
▲ 0.50% · 4.625%
HK$52,615
+HK$2,635/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$99,960/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,427 · Scale 2, in force from 26 Feb 2026)