LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,374
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,101
−HK$738/mo
Today · 4.125%
HK$24,839
baseline
▲ 0.50% · 4.625%
HK$26,351
+HK$1,512/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,678/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,003
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,700
−HK$708/mo
Today · 4.125%
HK$27,408
baseline
▲ 0.50% · 4.625%
HK$28,852
+HK$1,444/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,816/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,048
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,921
−HK$886/mo
Today · 4.125%
HK$29,807
baseline
▲ 0.50% · 4.625%
HK$31,621
+HK$1,814/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,614/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,203
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,040
−HK$849/mo
Today · 4.125%
HK$32,889
baseline
▲ 0.50% · 4.625%
HK$34,623
+HK$1,734/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,778/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,723
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,741
−HK$1,034/mo
Today · 4.125%
HK$34,775
baseline
▲ 0.50% · 4.625%
HK$36,891
+HK$2,116/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,550/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,404
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,380
−HK$991/mo
Today · 4.125%
HK$38,371
baseline
▲ 0.50% · 4.625%
HK$40,393
+HK$2,022/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,742/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,072
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$43,381
−HK$1,330/mo
Today · 4.125%
HK$44,711
baseline
▲ 0.50% · 4.625%
HK$47,431
+HK$2,720/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$89,422/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,805
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$48,060
−HK$1,274/mo
Today · 4.125%
HK$49,334
baseline
▲ 0.50% · 4.625%
HK$51,934
+HK$2,600/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$98,668/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,391 · Scale 2, in force from 26 Feb 2026)