LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,410
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,139
−HK$739/mo
Today · 4.125%
HK$24,878
baseline
▲ 0.50% · 4.625%
HK$26,392
+HK$1,514/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,756/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$384,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,044
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,742
−HK$709/mo
Today · 4.125%
HK$27,451
baseline
▲ 0.50% · 4.625%
HK$28,898
+HK$1,447/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,902/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$384,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,093
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,966
−HK$888/mo
Today · 4.125%
HK$29,854
baseline
▲ 0.50% · 4.625%
HK$31,671
+HK$1,817/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$59,708/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,253
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,091
−HK$850/mo
Today · 4.125%
HK$32,941
baseline
▲ 0.50% · 4.625%
HK$34,678
+HK$1,737/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$65,882/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,775
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,794
−HK$1,036/mo
Today · 4.125%
HK$34,830
baseline
▲ 0.50% · 4.625%
HK$36,949
+HK$2,119/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,660/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,461
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,439
−HK$992/mo
Today · 4.125%
HK$38,431
baseline
▲ 0.50% · 4.625%
HK$40,457
+HK$2,026/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,862/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,139
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,450
−HK$1,331/mo
Today · 4.125%
HK$44,781
baseline
▲ 0.50% · 4.625%
HK$47,506
+HK$2,725/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$89,562/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,879
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,136
−HK$1,276/mo
Today · 4.125%
HK$49,412
baseline
▲ 0.50% · 4.625%
HK$52,016
+HK$2,604/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$98,824/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,998 · Scale 2, in force from 26 Feb 2026)