LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,250
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,974
−HK$734/mo
Today · 4.125%
HK$24,708
baseline
▲ 0.50% · 4.625%
HK$26,212
+HK$1,504/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,416/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,866
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,559
−HK$704/mo
Today · 4.125%
HK$27,263
baseline
▲ 0.50% · 4.625%
HK$28,700
+HK$1,437/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,526/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,900
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,768
−HK$882/mo
Today · 4.125%
HK$29,650
baseline
▲ 0.50% · 4.625%
HK$31,454
+HK$1,804/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,300/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,039
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,871
−HK$845/mo
Today · 4.125%
HK$32,716
baseline
▲ 0.50% · 4.625%
HK$34,440
+HK$1,724/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,432/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,550
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,563
−HK$1,029/mo
Today · 4.125%
HK$34,592
baseline
▲ 0.50% · 4.625%
HK$36,697
+HK$2,105/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,184/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,212
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,183
−HK$986/mo
Today · 4.125%
HK$38,169
baseline
▲ 0.50% · 4.625%
HK$40,180
+HK$2,011/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,338/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,851
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,152
−HK$1,323/mo
Today · 4.125%
HK$44,475
baseline
▲ 0.50% · 4.625%
HK$47,181
+HK$2,706/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$88,950/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,558
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$47,807
−HK$1,267/mo
Today · 4.125%
HK$49,074
baseline
▲ 0.50% · 4.625%
HK$51,661
+HK$2,587/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$98,148/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,364 · Scale 2, in force from 26 Feb 2026)