LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,266
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,990
−HK$735/mo
Today · 4.125%
HK$24,725
baseline
▲ 0.50% · 4.625%
HK$26,230
+HK$1,505/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,450/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,883
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,577
−HK$705/mo
Today · 4.125%
HK$27,282
baseline
▲ 0.50% · 4.625%
HK$28,720
+HK$1,438/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,564/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,919
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,788
−HK$882/mo
Today · 4.125%
HK$29,670
baseline
▲ 0.50% · 4.625%
HK$31,475
+HK$1,805/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,340/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,060
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,893
−HK$845/mo
Today · 4.125%
HK$32,738
baseline
▲ 0.50% · 4.625%
HK$34,464
+HK$1,726/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,476/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,573
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,586
−HK$1,029/mo
Today · 4.125%
HK$34,615
baseline
▲ 0.50% · 4.625%
HK$36,721
+HK$2,106/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,230/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,237
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,208
−HK$986/mo
Today · 4.125%
HK$38,194
baseline
▲ 0.50% · 4.625%
HK$40,208
+HK$2,014/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,388/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,879
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,182
−HK$1,323/mo
Today · 4.125%
HK$44,505
baseline
▲ 0.50% · 4.625%
HK$47,213
+HK$2,708/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$89,010/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,590
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$47,839
−HK$1,268/mo
Today · 4.125%
HK$49,107
baseline
▲ 0.50% · 4.625%
HK$51,696
+HK$2,589/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$98,214/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,624 · Scale 2, in force from 26 Feb 2026)