LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,288
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,012
−HK$736/mo
Today · 4.125%
HK$24,748
baseline
▲ 0.50% · 4.625%
HK$26,254
+HK$1,506/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,496/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,907
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,602
−HK$705/mo
Today · 4.125%
HK$27,307
baseline
▲ 0.50% · 4.625%
HK$28,746
+HK$1,439/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,614/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,945
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,814
−HK$884/mo
Today · 4.125%
HK$29,698
baseline
▲ 0.50% · 4.625%
HK$31,505
+HK$1,807/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$59,396/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,089
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,923
−HK$845/mo
Today · 4.125%
HK$32,768
baseline
▲ 0.50% · 4.625%
HK$34,496
+HK$1,728/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$65,536/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,603
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,617
−HK$1,030/mo
Today · 4.125%
HK$34,647
baseline
▲ 0.50% · 4.625%
HK$36,755
+HK$2,108/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$69,294/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$382,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,270
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,243
−HK$987/mo
Today · 4.125%
HK$38,230
baseline
▲ 0.50% · 4.625%
HK$40,245
+HK$2,015/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$76,460/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$382,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,918
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$43,222
−HK$1,324/mo
Today · 4.125%
HK$44,546
baseline
▲ 0.50% · 4.625%
HK$47,257
+HK$2,711/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$89,092/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,633
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,884
−HK$1,269/mo
Today · 4.125%
HK$49,153
baseline
▲ 0.50% · 4.625%
HK$51,743
+HK$2,590/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$98,306/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,978 · Scale 2, in force from 26 Feb 2026)