LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,819
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,560
−HK$752/mo
Today · 4.125%
HK$25,312
baseline
▲ 0.50% · 4.625%
HK$26,853
+HK$1,541/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,624/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,498
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,209
−HK$721/mo
Today · 4.125%
HK$27,930
baseline
▲ 0.50% · 4.625%
HK$29,402
+HK$1,472/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,860/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,583
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,472
−HK$903/mo
Today · 4.125%
HK$30,375
baseline
▲ 0.50% · 4.625%
HK$32,223
+HK$1,848/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,750/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,798
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,651
−HK$865/mo
Today · 4.125%
HK$33,516
baseline
▲ 0.50% · 4.625%
HK$35,282
+HK$1,766/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,032/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,346
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,384
−HK$1,053/mo
Today · 4.125%
HK$35,437
baseline
▲ 0.50% · 4.625%
HK$37,594
+HK$2,157/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$70,874/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,097
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,092
−HK$1,010/mo
Today · 4.125%
HK$39,102
baseline
▲ 0.50% · 4.625%
HK$41,163
+HK$2,061/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$78,204/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,874
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$44,208
−HK$1,354/mo
Today · 4.125%
HK$45,562
baseline
▲ 0.50% · 4.625%
HK$48,335
+HK$2,773/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$91,124/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,697
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,976
−HK$1,298/mo
Today · 4.125%
HK$50,274
baseline
▲ 0.50% · 4.625%
HK$52,924
+HK$2,650/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$100,548/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,714 · Scale 2, in force from 26 Feb 2026)