LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,376
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,103
−HK$739/mo
Today · 4.125%
HK$24,842
baseline
▲ 0.50% · 4.625%
HK$26,354
+HK$1,512/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,684/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,006
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,703
−HK$708/mo
Today · 4.125%
HK$27,411
baseline
▲ 0.50% · 4.625%
HK$28,855
+HK$1,444/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,822/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,051
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,924
−HK$886/mo
Today · 4.125%
HK$29,810
baseline
▲ 0.50% · 4.625%
HK$31,624
+HK$1,814/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,620/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,207
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,044
−HK$849/mo
Today · 4.125%
HK$32,893
baseline
▲ 0.50% · 4.625%
HK$34,627
+HK$1,734/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,786/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,726
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,744
−HK$1,035/mo
Today · 4.125%
HK$34,779
baseline
▲ 0.50% · 4.625%
HK$36,895
+HK$2,116/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,558/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,408
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,384
−HK$991/mo
Today · 4.125%
HK$38,375
baseline
▲ 0.50% · 4.625%
HK$40,398
+HK$2,023/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,750/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,077
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$43,386
−HK$1,330/mo
Today · 4.125%
HK$44,716
baseline
▲ 0.50% · 4.625%
HK$47,436
+HK$2,720/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$89,432/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,810
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$48,066
−HK$1,273/mo
Today · 4.125%
HK$49,339
baseline
▲ 0.50% · 4.625%
HK$51,940
+HK$2,601/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$98,678/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,432 · Scale 2, in force from 26 Feb 2026)