LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,268
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,992
−HK$735/mo
Today · 4.125%
HK$24,727
baseline
▲ 0.50% · 4.625%
HK$26,231
+HK$1,504/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,454/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,885
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,579
−HK$705/mo
Today · 4.125%
HK$27,284
baseline
▲ 0.50% · 4.625%
HK$28,722
+HK$1,438/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,568/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,921
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,790
−HK$882/mo
Today · 4.125%
HK$29,672
baseline
▲ 0.50% · 4.625%
HK$31,478
+HK$1,806/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,344/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,062
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,895
−HK$845/mo
Today · 4.125%
HK$32,740
baseline
▲ 0.50% · 4.625%
HK$34,466
+HK$1,726/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,480/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,575
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$33,588
−HK$1,030/mo
Today · 4.125%
HK$34,618
baseline
▲ 0.50% · 4.625%
HK$36,724
+HK$2,106/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,236/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,239
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,211
−HK$986/mo
Today · 4.125%
HK$38,197
baseline
▲ 0.50% · 4.625%
HK$40,211
+HK$2,014/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,394/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,882
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,185
−HK$1,323/mo
Today · 4.125%
HK$44,508
baseline
▲ 0.50% · 4.625%
HK$47,217
+HK$2,709/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$89,016/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,593
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,843
−HK$1,268/mo
Today · 4.125%
HK$49,111
baseline
▲ 0.50% · 4.625%
HK$51,699
+HK$2,588/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$98,222/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,651 · Scale 2, in force from 26 Feb 2026)