LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,281
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,005
−HK$736/mo
Today · 4.125%
HK$24,741
baseline
▲ 0.50% · 4.625%
HK$26,246
+HK$1,505/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,482/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,900
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,595
−HK$704/mo
Today · 4.125%
HK$27,299
baseline
▲ 0.50% · 4.625%
HK$28,738
+HK$1,439/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,598/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,937
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,806
−HK$883/mo
Today · 4.125%
HK$29,689
baseline
▲ 0.50% · 4.625%
HK$31,496
+HK$1,807/mo
Deposit HK$4.08M · loan HK$6.13M · min. income ≈ HK$59,378/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,080
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,913
−HK$846/mo
Today · 4.125%
HK$32,759
baseline
▲ 0.50% · 4.625%
HK$34,486
+HK$1,727/mo
Deposit HK$4.08M · loan HK$6.13M · min. income ≈ HK$65,518/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,593
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,607
−HK$1,030/mo
Today · 4.125%
HK$34,637
baseline
▲ 0.50% · 4.625%
HK$36,745
+HK$2,108/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$69,274/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$382,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,260
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,232
−HK$987/mo
Today · 4.125%
HK$38,219
baseline
▲ 0.50% · 4.625%
HK$40,234
+HK$2,015/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$76,438/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$382,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,906
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$43,209
−HK$1,325/mo
Today · 4.125%
HK$44,534
baseline
▲ 0.50% · 4.625%
HK$47,244
+HK$2,710/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$89,068/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,620
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$47,870
−HK$1,269/mo
Today · 4.125%
HK$49,139
baseline
▲ 0.50% · 4.625%
HK$51,729
+HK$2,590/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$98,278/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,870 · Scale 2, in force from 26 Feb 2026)