LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,686
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,423
−HK$749/mo
Today · 4.125%
HK$25,172
baseline
▲ 0.50% · 4.625%
HK$26,703
+HK$1,531/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,344/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,351
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,057
−HK$717/mo
Today · 4.125%
HK$27,774
baseline
▲ 0.50% · 4.625%
HK$29,238
+HK$1,464/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,548/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,423
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,308
−HK$898/mo
Today · 4.125%
HK$30,206
baseline
▲ 0.50% · 4.625%
HK$32,044
+HK$1,838/mo
Deposit HK$4.16M · loan HK$6.23M · min. income ≈ HK$60,412/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,621
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,469
−HK$860/mo
Today · 4.125%
HK$33,329
baseline
▲ 0.50% · 4.625%
HK$35,086
+HK$1,757/mo
Deposit HK$4.16M · loan HK$6.23M · min. income ≈ HK$66,658/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,161
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,192
−HK$1,048/mo
Today · 4.125%
HK$35,240
baseline
▲ 0.50% · 4.625%
HK$37,384
+HK$2,144/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$70,480/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,891
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,880
−HK$1,004/mo
Today · 4.125%
HK$38,884
baseline
▲ 0.50% · 4.625%
HK$40,934
+HK$2,050/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$77,768/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,635
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$43,961
−HK$1,348/mo
Today · 4.125%
HK$45,309
baseline
▲ 0.50% · 4.625%
HK$48,066
+HK$2,757/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$90,618/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,431
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,703
−HK$1,291/mo
Today · 4.125%
HK$49,994
baseline
▲ 0.50% · 4.625%
HK$52,629
+HK$2,635/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$99,988/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,533 · Scale 2, in force from 26 Feb 2026)