LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,372
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,099
−HK$738/mo
Today · 4.125%
HK$24,837
baseline
▲ 0.50% · 4.625%
HK$26,349
+HK$1,512/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,674/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,001
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,698
−HK$708/mo
Today · 4.125%
HK$27,406
baseline
▲ 0.50% · 4.625%
HK$28,850
+HK$1,444/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,812/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,046
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,918
−HK$887/mo
Today · 4.125%
HK$29,805
baseline
▲ 0.50% · 4.625%
HK$31,618
+HK$1,813/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,610/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,201
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,038
−HK$849/mo
Today · 4.125%
HK$32,887
baseline
▲ 0.50% · 4.625%
HK$34,620
+HK$1,733/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,774/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,720
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,738
−HK$1,034/mo
Today · 4.125%
HK$34,772
baseline
▲ 0.50% · 4.625%
HK$36,888
+HK$2,116/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,544/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,401
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,377
−HK$991/mo
Today · 4.125%
HK$38,368
baseline
▲ 0.50% · 4.625%
HK$40,390
+HK$2,022/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,736/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,069
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,378
−HK$1,329/mo
Today · 4.125%
HK$44,707
baseline
▲ 0.50% · 4.625%
HK$47,428
+HK$2,721/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$89,414/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,801
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$48,057
−HK$1,273/mo
Today · 4.125%
HK$49,330
baseline
▲ 0.50% · 4.625%
HK$51,930
+HK$2,600/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$98,660/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,361 · Scale 2, in force from 26 Feb 2026)