LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,374
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,101
−HK$739/mo
Today · 4.125%
HK$24,840
baseline
▲ 0.50% · 4.625%
HK$26,351
+HK$1,511/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,680/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,003
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,701
−HK$707/mo
Today · 4.125%
HK$27,408
baseline
▲ 0.50% · 4.625%
HK$28,853
+HK$1,445/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$384,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,049
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,921
−HK$887/mo
Today · 4.125%
HK$29,808
baseline
▲ 0.50% · 4.625%
HK$31,621
+HK$1,813/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,616/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,204
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,041
−HK$849/mo
Today · 4.125%
HK$32,890
baseline
▲ 0.50% · 4.625%
HK$34,623
+HK$1,733/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,780/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,395 · 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$384,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,404
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,381
−HK$990/mo
Today · 4.125%
HK$38,371
baseline
▲ 0.50% · 4.625%
HK$40,394
+HK$2,023/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$384,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,073
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,382
−HK$1,329/mo
Today · 4.125%
HK$44,711
baseline
▲ 0.50% · 4.625%
HK$47,432
+HK$2,721/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$384,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,806
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,061
−HK$1,273/mo
Today · 4.125%
HK$49,334
baseline
▲ 0.50% · 4.625%
HK$51,935
+HK$2,601/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$384,395 · Scale 2, in force from 26 Feb 2026)