LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,825
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,566
−HK$753/mo
Today · 4.125%
HK$25,319
baseline
▲ 0.50% · 4.625%
HK$26,860
+HK$1,541/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,638/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$391,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,505
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,216
−HK$721/mo
Today · 4.125%
HK$27,937
baseline
▲ 0.50% · 4.625%
HK$29,410
+HK$1,473/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,874/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$391,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,590
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,479
−HK$904/mo
Today · 4.125%
HK$30,383
baseline
▲ 0.50% · 4.625%
HK$32,232
+HK$1,849/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,766/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,806
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,659
−HK$866/mo
Today · 4.125%
HK$33,525
baseline
▲ 0.50% · 4.625%
HK$35,292
+HK$1,767/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,050/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,355
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,393
−HK$1,054/mo
Today · 4.125%
HK$35,447
baseline
▲ 0.50% · 4.625%
HK$37,604
+HK$2,157/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$70,894/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,107
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,102
−HK$1,010/mo
Today · 4.125%
HK$39,112
baseline
▲ 0.50% · 4.625%
HK$41,174
+HK$2,062/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$78,224/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,885
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,219
−HK$1,355/mo
Today · 4.125%
HK$45,574
baseline
▲ 0.50% · 4.625%
HK$48,347
+HK$2,773/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$91,148/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,709
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$48,989
−HK$1,298/mo
Today · 4.125%
HK$50,287
baseline
▲ 0.50% · 4.625%
HK$52,937
+HK$2,650/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$100,574/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,815 · Scale 2, in force from 26 Feb 2026)