LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,332
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,057
−HK$738/mo
Today · 4.125%
HK$24,795
baseline
▲ 0.50% · 4.625%
HK$26,303
+HK$1,508/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,590/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,956
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,652
−HK$707/mo
Today · 4.125%
HK$27,359
baseline
▲ 0.50% · 4.625%
HK$28,801
+HK$1,442/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,718/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,998
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,869
−HK$885/mo
Today · 4.125%
HK$29,754
baseline
▲ 0.50% · 4.625%
HK$31,564
+HK$1,810/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$59,508/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,148
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,983
−HK$847/mo
Today · 4.125%
HK$32,830
baseline
▲ 0.50% · 4.625%
HK$34,561
+HK$1,731/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$65,660/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,664
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,680
−HK$1,033/mo
Today · 4.125%
HK$34,713
baseline
▲ 0.50% · 4.625%
HK$36,825
+HK$2,112/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$69,426/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,339
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,313
−HK$989/mo
Today · 4.125%
HK$38,302
baseline
▲ 0.50% · 4.625%
HK$40,321
+HK$2,019/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,604/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,997
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$43,303
−HK$1,328/mo
Today · 4.125%
HK$44,631
baseline
▲ 0.50% · 4.625%
HK$47,346
+HK$2,715/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$89,262/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,721
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,974
−HK$1,271/mo
Today · 4.125%
HK$49,245
baseline
▲ 0.50% · 4.625%
HK$51,841
+HK$2,596/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$98,490/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,702 · Scale 2, in force from 26 Feb 2026)