LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,743
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,481
−HK$751/mo
Today · 4.125%
HK$25,232
baseline
▲ 0.50% · 4.625%
HK$26,767
+HK$1,535/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,464/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,414
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,122
−HK$719/mo
Today · 4.125%
HK$27,841
baseline
▲ 0.50% · 4.625%
HK$29,308
+HK$1,467/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,682/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,491
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,378
−HK$900/mo
Today · 4.125%
HK$30,278
baseline
▲ 0.50% · 4.625%
HK$32,120
+HK$1,842/mo
Deposit HK$4.16M · loan HK$6.25M · min. income ≈ HK$60,556/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,696
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,546
−HK$863/mo
Today · 4.125%
HK$33,409
baseline
▲ 0.50% · 4.625%
HK$35,170
+HK$1,761/mo
Deposit HK$4.16M · loan HK$6.25M · min. income ≈ HK$66,818/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,240
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,274
−HK$1,050/mo
Today · 4.125%
HK$35,324
baseline
▲ 0.50% · 4.625%
HK$37,474
+HK$2,150/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$70,648/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,979
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,971
−HK$1,006/mo
Today · 4.125%
HK$38,977
baseline
▲ 0.50% · 4.625%
HK$41,031
+HK$2,054/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$77,954/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,737
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,066
−HK$1,351/mo
Today · 4.125%
HK$45,417
baseline
▲ 0.50% · 4.625%
HK$48,181
+HK$2,764/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,834/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,545
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,820
−HK$1,293/mo
Today · 4.125%
HK$50,113
baseline
▲ 0.50% · 4.625%
HK$52,755
+HK$2,642/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$100,226/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,463 · Scale 2, in force from 26 Feb 2026)