LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,321
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,046
−HK$737/mo
Today · 4.125%
HK$24,783
baseline
▲ 0.50% · 4.625%
HK$26,291
+HK$1,508/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,566/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,944
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,640
−HK$706/mo
Today · 4.125%
HK$27,346
baseline
▲ 0.50% · 4.625%
HK$28,788
+HK$1,442/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,692/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,985
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,856
−HK$884/mo
Today · 4.125%
HK$29,740
baseline
▲ 0.50% · 4.625%
HK$31,550
+HK$1,810/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$59,480/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,133
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,968
−HK$847/mo
Today · 4.125%
HK$32,815
baseline
▲ 0.50% · 4.625%
HK$34,545
+HK$1,730/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$65,630/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,649
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,665
−HK$1,032/mo
Today · 4.125%
HK$34,697
baseline
▲ 0.50% · 4.625%
HK$36,808
+HK$2,111/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$69,394/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,322
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,296
−HK$988/mo
Today · 4.125%
HK$38,284
baseline
▲ 0.50% · 4.625%
HK$40,303
+HK$2,019/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,568/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,978
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$43,284
−HK$1,326/mo
Today · 4.125%
HK$44,610
baseline
▲ 0.50% · 4.625%
HK$47,325
+HK$2,715/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$89,220/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,700
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$47,952
−HK$1,271/mo
Today · 4.125%
HK$49,223
baseline
▲ 0.50% · 4.625%
HK$51,818
+HK$2,595/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$98,446/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,526 · Scale 2, in force from 26 Feb 2026)