LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,352
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,078
−HK$738/mo
Today · 4.125%
HK$24,816
baseline
▲ 0.50% · 4.625%
HK$26,326
+HK$1,510/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,632/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$384,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,978
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,675
−HK$707/mo
Today · 4.125%
HK$27,382
baseline
▲ 0.50% · 4.625%
HK$28,825
+HK$1,443/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,764/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$384,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,022
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,894
−HK$885/mo
Today · 4.125%
HK$29,779
baseline
▲ 0.50% · 4.625%
HK$31,591
+HK$1,812/mo
Deposit HK$4.10M · loan HK$6.14M · min. income ≈ HK$59,558/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,174
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,010
−HK$848/mo
Today · 4.125%
HK$32,858
baseline
▲ 0.50% · 4.625%
HK$34,590
+HK$1,732/mo
Deposit HK$4.10M · loan HK$6.14M · min. income ≈ HK$65,716/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,692
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,709
−HK$1,033/mo
Today · 4.125%
HK$34,742
baseline
▲ 0.50% · 4.625%
HK$36,856
+HK$2,114/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,484/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,370
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,345
−HK$990/mo
Today · 4.125%
HK$38,335
baseline
▲ 0.50% · 4.625%
HK$40,355
+HK$2,020/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,670/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,033
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,340
−HK$1,329/mo
Today · 4.125%
HK$44,669
baseline
▲ 0.50% · 4.625%
HK$47,387
+HK$2,718/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$89,338/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,761
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,015
−HK$1,273/mo
Today · 4.125%
HK$49,288
baseline
▲ 0.50% · 4.625%
HK$51,886
+HK$2,598/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$98,576/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,030 · Scale 2, in force from 26 Feb 2026)