LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,287
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,011
−HK$736/mo
Today · 4.125%
HK$24,747
baseline
▲ 0.50% · 4.625%
HK$26,253
+HK$1,506/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,494/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,906
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,601
−HK$705/mo
Today · 4.125%
HK$27,306
baseline
▲ 0.50% · 4.625%
HK$28,745
+HK$1,439/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,612/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,944
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,813
−HK$883/mo
Today · 4.125%
HK$29,696
baseline
▲ 0.50% · 4.625%
HK$31,503
+HK$1,807/mo
Deposit HK$4.08M · loan HK$6.13M · min. income ≈ HK$59,392/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,087
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,921
−HK$846/mo
Today · 4.125%
HK$32,767
baseline
▲ 0.50% · 4.625%
HK$34,494
+HK$1,727/mo
Deposit HK$4.08M · loan HK$6.13M · min. income ≈ HK$65,534/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,601
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,615
−HK$1,031/mo
Today · 4.125%
HK$34,646
baseline
▲ 0.50% · 4.625%
HK$36,754
+HK$2,108/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$69,292/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$382,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,268
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,241
−HK$987/mo
Today · 4.125%
HK$38,228
baseline
▲ 0.50% · 4.625%
HK$40,243
+HK$2,015/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$76,456/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$382,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,916
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$43,220
−HK$1,324/mo
Today · 4.125%
HK$44,544
baseline
▲ 0.50% · 4.625%
HK$47,255
+HK$2,711/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$89,088/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,631
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$47,881
−HK$1,269/mo
Today · 4.125%
HK$49,150
baseline
▲ 0.50% · 4.625%
HK$51,741
+HK$2,591/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$98,300/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,960 · Scale 2, in force from 26 Feb 2026)