LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,356
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,082
−HK$738/mo
Today · 4.125%
HK$24,820
baseline
▲ 0.50% · 4.625%
HK$26,331
+HK$1,511/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,640/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,983
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,680
−HK$707/mo
Today · 4.125%
HK$27,387
baseline
▲ 0.50% · 4.625%
HK$28,830
+HK$1,443/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,774/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,027
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,899
−HK$885/mo
Today · 4.125%
HK$29,784
baseline
▲ 0.50% · 4.625%
HK$31,597
+HK$1,813/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,568/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,180
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,016
−HK$848/mo
Today · 4.125%
HK$32,864
baseline
▲ 0.50% · 4.625%
HK$34,596
+HK$1,732/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,728/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,698
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,715
−HK$1,033/mo
Today · 4.125%
HK$34,748
baseline
▲ 0.50% · 4.625%
HK$36,863
+HK$2,115/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,496/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,376
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,352
−HK$989/mo
Today · 4.125%
HK$38,341
baseline
▲ 0.50% · 4.625%
HK$40,362
+HK$2,021/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,682/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,040
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$43,348
−HK$1,329/mo
Today · 4.125%
HK$44,677
baseline
▲ 0.50% · 4.625%
HK$47,395
+HK$2,718/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$89,354/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,769
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,024
−HK$1,272/mo
Today · 4.125%
HK$49,296
baseline
▲ 0.50% · 4.625%
HK$51,895
+HK$2,599/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$98,592/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,097 · Scale 2, in force from 26 Feb 2026)