LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,687
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,424
−HK$748/mo
Today · 4.125%
HK$25,172
baseline
▲ 0.50% · 4.625%
HK$26,704
+HK$1,532/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$389,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,351
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,058
−HK$717/mo
Today · 4.125%
HK$27,775
baseline
▲ 0.50% · 4.625%
HK$29,239
+HK$1,464/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,550/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,424
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,308
−HK$899/mo
Today · 4.125%
HK$30,207
baseline
▲ 0.50% · 4.625%
HK$32,045
+HK$1,838/mo
Deposit HK$4.16M · loan HK$6.23M · min. income ≈ HK$60,414/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,622
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,470
−HK$860/mo
Today · 4.125%
HK$33,330
baseline
▲ 0.50% · 4.625%
HK$35,087
+HK$1,757/mo
Deposit HK$4.16M · loan HK$6.23M · min. income ≈ HK$66,660/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,161
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,193
−HK$1,048/mo
Today · 4.125%
HK$35,241
baseline
▲ 0.50% · 4.625%
HK$37,385
+HK$2,144/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$70,482/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,892
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,881
−HK$1,004/mo
Today · 4.125%
HK$38,885
baseline
▲ 0.50% · 4.625%
HK$40,935
+HK$2,050/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$77,770/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,636
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$43,962
−HK$1,348/mo
Today · 4.125%
HK$45,310
baseline
▲ 0.50% · 4.625%
HK$48,067
+HK$2,757/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$90,620/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,432
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,704
−HK$1,291/mo
Today · 4.125%
HK$49,995
baseline
▲ 0.50% · 4.625%
HK$52,630
+HK$2,635/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$99,990/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,541 · Scale 2, in force from 26 Feb 2026)