LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,387
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,114
−HK$739/mo
Today · 4.125%
HK$24,853
baseline
▲ 0.50% · 4.625%
HK$26,366
+HK$1,513/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$384,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,018
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,715
−HK$708/mo
Today · 4.125%
HK$27,423
baseline
▲ 0.50% · 4.625%
HK$28,869
+HK$1,446/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$384,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,064
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,937
−HK$887/mo
Today · 4.125%
HK$29,824
baseline
▲ 0.50% · 4.625%
HK$31,639
+HK$1,815/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,648/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,221
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,059
−HK$849/mo
Today · 4.125%
HK$32,908
baseline
▲ 0.50% · 4.625%
HK$34,643
+HK$1,735/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,816/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,742
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,760
−HK$1,035/mo
Today · 4.125%
HK$34,795
baseline
▲ 0.50% · 4.625%
HK$36,912
+HK$2,117/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,590/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,425
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,402
−HK$991/mo
Today · 4.125%
HK$38,393
baseline
▲ 0.50% · 4.625%
HK$40,416
+HK$2,023/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,786/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,096
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,406
−HK$1,330/mo
Today · 4.125%
HK$44,736
baseline
▲ 0.50% · 4.625%
HK$47,458
+HK$2,722/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$89,472/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,832
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,088
−HK$1,274/mo
Today · 4.125%
HK$49,362
baseline
▲ 0.50% · 4.625%
HK$51,964
+HK$2,602/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$98,724/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,610 · Scale 2, in force from 26 Feb 2026)