LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,692
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,429
−HK$748/mo
Today · 4.125%
HK$25,177
baseline
▲ 0.50% · 4.625%
HK$26,709
+HK$1,532/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,354/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,357
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,064
−HK$717/mo
Today · 4.125%
HK$27,781
baseline
▲ 0.50% · 4.625%
HK$29,245
+HK$1,464/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,562/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,430
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,315
−HK$898/mo
Today · 4.125%
HK$30,213
baseline
▲ 0.50% · 4.625%
HK$32,051
+HK$1,838/mo
Deposit HK$4.16M · loan HK$6.23M · min. income ≈ HK$60,426/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,628
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,477
−HK$860/mo
Today · 4.125%
HK$33,337
baseline
▲ 0.50% · 4.625%
HK$35,094
+HK$1,757/mo
Deposit HK$4.16M · loan HK$6.23M · min. income ≈ HK$66,674/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,169
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,200
−HK$1,048/mo
Today · 4.125%
HK$35,248
baseline
▲ 0.50% · 4.625%
HK$37,393
+HK$2,145/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$70,496/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,900
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,889
−HK$1,004/mo
Today · 4.125%
HK$38,893
baseline
▲ 0.50% · 4.625%
HK$40,943
+HK$2,050/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$77,786/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,645
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$43,972
−HK$1,347/mo
Today · 4.125%
HK$45,319
baseline
▲ 0.50% · 4.625%
HK$48,077
+HK$2,758/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$90,638/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,442
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,715
−HK$1,291/mo
Today · 4.125%
HK$50,006
baseline
▲ 0.50% · 4.625%
HK$52,641
+HK$2,635/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$100,012/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,625 · Scale 2, in force from 26 Feb 2026)