LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,376
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,104
−HK$738/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$384,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,006
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,704
−HK$707/mo
Today · 4.125%
HK$27,411
baseline
▲ 0.50% · 4.625%
HK$28,856
+HK$1,445/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$384,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,052
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,924
−HK$887/mo
Today · 4.125%
HK$29,811
baseline
▲ 0.50% · 4.625%
HK$31,625
+HK$1,814/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,622/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,438 · 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$384,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,727
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,745
−HK$1,034/mo
Today · 4.125%
HK$34,779
baseline
▲ 0.50% · 4.625%
HK$36,896
+HK$2,117/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$384,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,408
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,385
−HK$990/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$384,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,078
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,386
−HK$1,330/mo
Today · 4.125%
HK$44,716
baseline
▲ 0.50% · 4.625%
HK$47,437
+HK$2,721/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$384,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,811
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$48,066
−HK$1,274/mo
Today · 4.125%
HK$49,340
baseline
▲ 0.50% · 4.625%
HK$51,941
+HK$2,601/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$98,680/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,438 · Scale 2, in force from 26 Feb 2026)