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$26,383
+HK$1,514/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$384,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,034
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,733
−HK$708/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$384,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,082
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,956
−HK$887/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$384,857 · 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$34,665
+HK$1,736/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$384,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,763
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,782
−HK$1,035/mo
Today · 4.125%
HK$34,817
baseline
▲ 0.50% · 4.625%
HK$36,936
+HK$2,119/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$384,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,448
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,426
−HK$991/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$384,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,123
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,434
−HK$1,331/mo
Today · 4.125%
HK$44,765
baseline
▲ 0.50% · 4.625%
HK$47,489
+HK$2,724/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$89,530/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,862
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,119
−HK$1,275/mo
Today · 4.125%
HK$49,394
baseline
▲ 0.50% · 4.625%
HK$51,997
+HK$2,603/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$98,788/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,857 · Scale 2, in force from 26 Feb 2026)