LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,690
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,427
−HK$748/mo
Today · 4.125%
HK$25,175
baseline
▲ 0.50% · 4.625%
HK$26,707
+HK$1,532/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,350/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,355
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,061
−HK$718/mo
Today · 4.125%
HK$27,779
baseline
▲ 0.50% · 4.625%
HK$29,243
+HK$1,464/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,558/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,428
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,312
−HK$898/mo
Today · 4.125%
HK$30,210
baseline
▲ 0.50% · 4.625%
HK$32,049
+HK$1,839/mo
Deposit HK$4.16M · loan HK$6.23M · min. income ≈ HK$60,420/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,626
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,474
−HK$860/mo
Today · 4.125%
HK$33,334
baseline
▲ 0.50% · 4.625%
HK$35,091
+HK$1,757/mo
Deposit HK$4.16M · loan HK$6.23M · min. income ≈ HK$66,668/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,166
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,197
−HK$1,048/mo
Today · 4.125%
HK$35,245
baseline
▲ 0.50% · 4.625%
HK$37,390
+HK$2,145/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$70,490/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,897
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,886
−HK$1,004/mo
Today · 4.125%
HK$38,890
baseline
▲ 0.50% · 4.625%
HK$40,940
+HK$2,050/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$77,780/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,642
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$43,968
−HK$1,348/mo
Today · 4.125%
HK$45,316
baseline
▲ 0.50% · 4.625%
HK$48,073
+HK$2,757/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$90,632/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,438
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,711
−HK$1,290/mo
Today · 4.125%
HK$50,001
baseline
▲ 0.50% · 4.625%
HK$52,637
+HK$2,636/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$100,002/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,591 · Scale 2, in force from 26 Feb 2026)