LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,364
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,091
−HK$738/mo
Today · 4.125%
HK$24,829
baseline
▲ 0.50% · 4.625%
HK$26,340
+HK$1,511/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,658/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,992
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,689
−HK$707/mo
Today · 4.125%
HK$27,396
baseline
▲ 0.50% · 4.625%
HK$28,840
+HK$1,444/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,792/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,037
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,909
−HK$886/mo
Today · 4.125%
HK$29,795
baseline
▲ 0.50% · 4.625%
HK$31,608
+HK$1,813/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,590/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,190
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,027
−HK$848/mo
Today · 4.125%
HK$32,875
baseline
▲ 0.50% · 4.625%
HK$34,608
+HK$1,733/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,750/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,709
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,727
−HK$1,033/mo
Today · 4.125%
HK$34,760
baseline
▲ 0.50% · 4.625%
HK$36,876
+HK$2,116/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,520/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,389
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,365
−HK$990/mo
Today · 4.125%
HK$38,355
baseline
▲ 0.50% · 4.625%
HK$40,376
+HK$2,021/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,710/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,055
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$43,363
−HK$1,329/mo
Today · 4.125%
HK$44,692
baseline
▲ 0.50% · 4.625%
HK$47,411
+HK$2,719/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$89,384/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,786
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,040
−HK$1,273/mo
Today · 4.125%
HK$49,313
baseline
▲ 0.50% · 4.625%
HK$51,913
+HK$2,600/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$98,626/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,230 · Scale 2, in force from 26 Feb 2026)