LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,386
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,114
−HK$739/mo
Today · 4.125%
HK$24,853
baseline
▲ 0.50% · 4.625%
HK$26,365
+HK$1,512/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,706/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,017
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,715
−HK$708/mo
Today · 4.125%
HK$27,423
baseline
▲ 0.50% · 4.625%
HK$28,868
+HK$1,445/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,846/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,064
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,936
−HK$887/mo
Today · 4.125%
HK$29,823
baseline
▲ 0.50% · 4.625%
HK$31,638
+HK$1,815/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,646/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,220
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,058
−HK$849/mo
Today · 4.125%
HK$32,907
baseline
▲ 0.50% · 4.625%
HK$34,642
+HK$1,735/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,814/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,741
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,759
−HK$1,035/mo
Today · 4.125%
HK$34,794
baseline
▲ 0.50% · 4.625%
HK$36,911
+HK$2,117/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,588/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,424
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,401
−HK$991/mo
Today · 4.125%
HK$38,392
baseline
▲ 0.50% · 4.625%
HK$40,415
+HK$2,023/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,784/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,095
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,405
−HK$1,330/mo
Today · 4.125%
HK$44,735
baseline
▲ 0.50% · 4.625%
HK$47,457
+HK$2,722/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$89,470/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,831
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,087
−HK$1,274/mo
Today · 4.125%
HK$49,361
baseline
▲ 0.50% · 4.625%
HK$51,963
+HK$2,602/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$98,722/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,600 · Scale 2, in force from 26 Feb 2026)