LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,409
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,137
−HK$740/mo
Today · 4.125%
HK$24,877
baseline
▲ 0.50% · 4.625%
HK$26,390
+HK$1,513/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,754/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$384,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,042
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,740
−HK$709/mo
Today · 4.125%
HK$27,449
baseline
▲ 0.50% · 4.625%
HK$28,896
+HK$1,447/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,898/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$384,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,091
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,964
−HK$888/mo
Today · 4.125%
HK$29,852
baseline
▲ 0.50% · 4.625%
HK$31,669
+HK$1,817/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$59,704/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,250
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,089
−HK$850/mo
Today · 4.125%
HK$32,939
baseline
▲ 0.50% · 4.625%
HK$34,675
+HK$1,736/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$65,878/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,772
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,792
−HK$1,035/mo
Today · 4.125%
HK$34,827
baseline
▲ 0.50% · 4.625%
HK$36,947
+HK$2,120/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,654/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,459
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,437
−HK$992/mo
Today · 4.125%
HK$38,429
baseline
▲ 0.50% · 4.625%
HK$40,454
+HK$2,025/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,858/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,136
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,447
−HK$1,331/mo
Today · 4.125%
HK$44,778
baseline
▲ 0.50% · 4.625%
HK$47,503
+HK$2,725/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$89,556/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,876
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,133
−HK$1,275/mo
Today · 4.125%
HK$49,408
baseline
▲ 0.50% · 4.625%
HK$52,013
+HK$2,605/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$98,816/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,970 · Scale 2, in force from 26 Feb 2026)