LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,239
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,962
−HK$734/mo
Today · 4.125%
HK$24,696
baseline
▲ 0.50% · 4.625%
HK$26,199
+HK$1,503/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,392/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,853
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,546
−HK$704/mo
Today · 4.125%
HK$27,250
baseline
▲ 0.50% · 4.625%
HK$28,686
+HK$1,436/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,500/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,886
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,754
−HK$881/mo
Today · 4.125%
HK$29,635
baseline
▲ 0.50% · 4.625%
HK$31,438
+HK$1,803/mo
Deposit HK$4.08M · loan HK$6.11M · min. income ≈ HK$59,270/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,023
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,855
−HK$845/mo
Today · 4.125%
HK$32,700
baseline
▲ 0.50% · 4.625%
HK$34,423
+HK$1,723/mo
Deposit HK$4.08M · loan HK$6.11M · min. income ≈ HK$65,400/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,534
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,546
−HK$1,028/mo
Today · 4.125%
HK$34,574
baseline
▲ 0.50% · 4.625%
HK$36,678
+HK$2,104/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$69,148/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,194
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,165
−HK$984/mo
Today · 4.125%
HK$38,149
baseline
▲ 0.50% · 4.625%
HK$40,160
+HK$2,011/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$76,298/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,830
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,131
−HK$1,322/mo
Today · 4.125%
HK$44,453
baseline
▲ 0.50% · 4.625%
HK$47,158
+HK$2,705/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$88,906/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,535
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,783
−HK$1,266/mo
Today · 4.125%
HK$49,049
baseline
▲ 0.50% · 4.625%
HK$51,635
+HK$2,586/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$98,098/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,174 · Scale 2, in force from 26 Feb 2026)