LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,681
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,418
−HK$748/mo
Today · 4.125%
HK$25,166
baseline
▲ 0.50% · 4.625%
HK$26,698
+HK$1,532/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,332/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,345
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,052
−HK$717/mo
Today · 4.125%
HK$27,769
baseline
▲ 0.50% · 4.625%
HK$29,232
+HK$1,463/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,538/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,418
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,302
−HK$898/mo
Today · 4.125%
HK$30,200
baseline
▲ 0.50% · 4.625%
HK$32,037
+HK$1,837/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$60,400/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,614
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,462
−HK$860/mo
Today · 4.125%
HK$33,322
baseline
▲ 0.50% · 4.625%
HK$35,079
+HK$1,757/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$66,644/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,154
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,185
−HK$1,048/mo
Today · 4.125%
HK$35,233
baseline
▲ 0.50% · 4.625%
HK$37,377
+HK$2,144/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$70,466/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,883
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,873
−HK$1,003/mo
Today · 4.125%
HK$38,876
baseline
▲ 0.50% · 4.625%
HK$40,925
+HK$2,049/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$77,752/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,627
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,952
−HK$1,348/mo
Today · 4.125%
HK$45,300
baseline
▲ 0.50% · 4.625%
HK$48,056
+HK$2,756/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$90,600/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,422
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$48,693
−HK$1,291/mo
Today · 4.125%
HK$49,984
baseline
▲ 0.50% · 4.625%
HK$52,618
+HK$2,634/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$99,968/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,454 · Scale 2, in force from 26 Feb 2026)