LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,365
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,092
−HK$738/mo
Today · 4.125%
HK$24,830
baseline
▲ 0.50% · 4.625%
HK$26,341
+HK$1,511/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,660/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,993
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,691
−HK$707/mo
Today · 4.125%
HK$27,398
baseline
▲ 0.50% · 4.625%
HK$28,842
+HK$1,444/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,796/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,038
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,910
−HK$886/mo
Today · 4.125%
HK$29,796
baseline
▲ 0.50% · 4.625%
HK$31,609
+HK$1,813/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,592/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,192
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,029
−HK$848/mo
Today · 4.125%
HK$32,877
baseline
▲ 0.50% · 4.625%
HK$34,610
+HK$1,733/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,754/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,711
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,729
−HK$1,033/mo
Today · 4.125%
HK$34,762
baseline
▲ 0.50% · 4.625%
HK$36,878
+HK$2,116/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,524/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,391
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,367
−HK$990/mo
Today · 4.125%
HK$38,357
baseline
▲ 0.50% · 4.625%
HK$40,379
+HK$2,022/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,714/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,057
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$43,365
−HK$1,329/mo
Today · 4.125%
HK$44,694
baseline
▲ 0.50% · 4.625%
HK$47,414
+HK$2,720/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$89,388/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,788
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,043
−HK$1,273/mo
Today · 4.125%
HK$49,316
baseline
▲ 0.50% · 4.625%
HK$51,915
+HK$2,599/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$98,632/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,251 · Scale 2, in force from 26 Feb 2026)