LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,402
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,130
−HK$739/mo
Today · 4.125%
HK$24,869
baseline
▲ 0.50% · 4.625%
HK$26,382
+HK$1,513/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,738/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$384,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,034
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,732
−HK$709/mo
Today · 4.125%
HK$27,441
baseline
▲ 0.50% · 4.625%
HK$28,887
+HK$1,446/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,882/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$384,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,082
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,955
−HK$888/mo
Today · 4.125%
HK$29,843
baseline
▲ 0.50% · 4.625%
HK$31,659
+HK$1,816/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$59,686/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,241
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,079
−HK$850/mo
Today · 4.125%
HK$32,929
baseline
▲ 0.50% · 4.625%
HK$34,664
+HK$1,735/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$65,858/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,762
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,781
−HK$1,036/mo
Today · 4.125%
HK$34,817
baseline
▲ 0.50% · 4.625%
HK$36,935
+HK$2,118/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,634/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,448
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,425
−HK$992/mo
Today · 4.125%
HK$38,417
baseline
▲ 0.50% · 4.625%
HK$40,442
+HK$2,025/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,834/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,123
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,433
−HK$1,331/mo
Today · 4.125%
HK$44,764
baseline
▲ 0.50% · 4.625%
HK$47,488
+HK$2,724/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$89,528/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,861
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,118
−HK$1,275/mo
Today · 4.125%
HK$49,393
baseline
▲ 0.50% · 4.625%
HK$51,997
+HK$2,604/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$98,786/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,853 · Scale 2, in force from 26 Feb 2026)