LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,362
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,088
−HK$739/mo
Today · 4.125%
HK$24,827
baseline
▲ 0.50% · 4.625%
HK$26,337
+HK$1,510/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,654/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,989
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,686
−HK$708/mo
Today · 4.125%
HK$27,394
baseline
▲ 0.50% · 4.625%
HK$28,838
+HK$1,444/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,788/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,034
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,906
−HK$886/mo
Today · 4.125%
HK$29,792
baseline
▲ 0.50% · 4.625%
HK$31,605
+HK$1,813/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,584/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,187
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,024
−HK$848/mo
Today · 4.125%
HK$32,872
baseline
▲ 0.50% · 4.625%
HK$34,605
+HK$1,733/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,744/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,706
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,723
−HK$1,034/mo
Today · 4.125%
HK$34,757
baseline
▲ 0.50% · 4.625%
HK$36,872
+HK$2,115/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,514/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,385
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,361
−HK$990/mo
Today · 4.125%
HK$38,351
baseline
▲ 0.50% · 4.625%
HK$40,373
+HK$2,022/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,702/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,051
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$43,359
−HK$1,329/mo
Today · 4.125%
HK$44,688
baseline
▲ 0.50% · 4.625%
HK$47,407
+HK$2,719/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$89,376/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,781
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,036
−HK$1,272/mo
Today · 4.125%
HK$49,308
baseline
▲ 0.50% · 4.625%
HK$51,908
+HK$2,600/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$98,616/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,193 · Scale 2, in force from 26 Feb 2026)