LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,823
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,564
−HK$752/mo
Today · 4.125%
HK$25,316
baseline
▲ 0.50% · 4.625%
HK$26,857
+HK$1,541/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,632/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$391,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,502
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,213
−HK$721/mo
Today · 4.125%
HK$27,934
baseline
▲ 0.50% · 4.625%
HK$29,407
+HK$1,473/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,868/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$391,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,587
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,476
−HK$904/mo
Today · 4.125%
HK$30,380
baseline
▲ 0.50% · 4.625%
HK$32,228
+HK$1,848/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,760/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,803
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,656
−HK$865/mo
Today · 4.125%
HK$33,521
baseline
▲ 0.50% · 4.625%
HK$35,288
+HK$1,767/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,042/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,352
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,389
−HK$1,054/mo
Today · 4.125%
HK$35,443
baseline
▲ 0.50% · 4.625%
HK$37,600
+HK$2,157/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$70,886/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,103
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,098
−HK$1,010/mo
Today · 4.125%
HK$39,108
baseline
▲ 0.50% · 4.625%
HK$41,169
+HK$2,061/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$78,216/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,881
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,214
−HK$1,356/mo
Today · 4.125%
HK$45,570
baseline
▲ 0.50% · 4.625%
HK$48,342
+HK$2,772/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$91,140/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,704
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,984
−HK$1,297/mo
Today · 4.125%
HK$50,281
baseline
▲ 0.50% · 4.625%
HK$52,932
+HK$2,651/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$100,562/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,774 · Scale 2, in force from 26 Feb 2026)