LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,770
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,509
−HK$751/mo
Today · 4.125%
HK$25,260
baseline
▲ 0.50% · 4.625%
HK$26,797
+HK$1,537/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,520/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,444
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,153
−HK$719/mo
Today · 4.125%
HK$27,872
baseline
▲ 0.50% · 4.625%
HK$29,341
+HK$1,469/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,744/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,524
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,411
−HK$901/mo
Today · 4.125%
HK$30,312
baseline
▲ 0.50% · 4.625%
HK$32,157
+HK$1,845/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$60,624/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,732
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,583
−HK$864/mo
Today · 4.125%
HK$33,447
baseline
▲ 0.50% · 4.625%
HK$35,210
+HK$1,763/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$66,894/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,278
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,313
−HK$1,051/mo
Today · 4.125%
HK$35,364
baseline
▲ 0.50% · 4.625%
HK$37,516
+HK$2,152/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$70,728/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,021
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,014
−HK$1,007/mo
Today · 4.125%
HK$39,021
baseline
▲ 0.50% · 4.625%
HK$41,078
+HK$2,057/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,042/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,786
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,116
−HK$1,353/mo
Today · 4.125%
HK$45,469
baseline
▲ 0.50% · 4.625%
HK$48,235
+HK$2,766/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$90,938/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,599
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,875
−HK$1,295/mo
Today · 4.125%
HK$50,170
baseline
▲ 0.50% · 4.625%
HK$52,815
+HK$2,645/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$100,340/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,907 · Scale 2, in force from 26 Feb 2026)