LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,334
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,059
−HK$738/mo
Today · 4.125%
HK$24,797
baseline
▲ 0.50% · 4.625%
HK$26,306
+HK$1,509/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,594/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,958
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,655
−HK$706/mo
Today · 4.125%
HK$27,361
baseline
▲ 0.50% · 4.625%
HK$28,803
+HK$1,442/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,722/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,000
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,871
−HK$885/mo
Today · 4.125%
HK$29,756
baseline
▲ 0.50% · 4.625%
HK$31,567
+HK$1,811/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$59,512/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,150
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,986
−HK$847/mo
Today · 4.125%
HK$32,833
baseline
▲ 0.50% · 4.625%
HK$34,564
+HK$1,731/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$65,666/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,667
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,683
−HK$1,033/mo
Today · 4.125%
HK$34,716
baseline
▲ 0.50% · 4.625%
HK$36,828
+HK$2,112/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$69,432/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,342
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,317
−HK$988/mo
Today · 4.125%
HK$38,305
baseline
▲ 0.50% · 4.625%
HK$40,324
+HK$2,019/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,610/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,001
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,307
−HK$1,327/mo
Today · 4.125%
HK$44,634
baseline
▲ 0.50% · 4.625%
HK$47,350
+HK$2,716/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$89,268/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,725
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$47,978
−HK$1,272/mo
Today · 4.125%
HK$49,250
baseline
▲ 0.50% · 4.625%
HK$51,846
+HK$2,596/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$98,500/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,735 · Scale 2, in force from 26 Feb 2026)