LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,346
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,072
−HK$738/mo
Today · 4.125%
HK$24,810
baseline
▲ 0.50% · 4.625%
HK$26,320
+HK$1,510/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,620/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,972
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,669
−HK$706/mo
Today · 4.125%
HK$27,375
baseline
▲ 0.50% · 4.625%
HK$28,818
+HK$1,443/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,750/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,015
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,887
−HK$885/mo
Today · 4.125%
HK$29,772
baseline
▲ 0.50% · 4.625%
HK$31,583
+HK$1,811/mo
Deposit HK$4.10M · loan HK$6.14M · min. income ≈ HK$59,544/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,167
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$32,002
−HK$848/mo
Today · 4.125%
HK$32,850
baseline
▲ 0.50% · 4.625%
HK$34,582
+HK$1,732/mo
Deposit HK$4.10M · loan HK$6.14M · min. income ≈ HK$65,700/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,684
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,701
−HK$1,033/mo
Today · 4.125%
HK$34,734
baseline
▲ 0.50% · 4.625%
HK$36,847
+HK$2,113/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,468/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$383,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,361
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,336
−HK$989/mo
Today · 4.125%
HK$38,325
baseline
▲ 0.50% · 4.625%
HK$40,346
+HK$2,021/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,650/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$383,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,023
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$43,330
−HK$1,328/mo
Today · 4.125%
HK$44,658
baseline
▲ 0.50% · 4.625%
HK$47,375
+HK$2,717/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$89,316/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,750
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$48,004
−HK$1,272/mo
Today · 4.125%
HK$49,276
baseline
▲ 0.50% · 4.625%
HK$51,873
+HK$2,597/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$98,552/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,937 · Scale 2, in force from 26 Feb 2026)