LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,412
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,140
−HK$740/mo
Today · 4.125%
HK$24,880
baseline
▲ 0.50% · 4.625%
HK$26,394
+HK$1,514/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,760/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,045
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,744
−HK$708/mo
Today · 4.125%
HK$27,452
baseline
▲ 0.50% · 4.625%
HK$28,899
+HK$1,447/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,904/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,094
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,968
−HK$888/mo
Today · 4.125%
HK$29,856
baseline
▲ 0.50% · 4.625%
HK$31,672
+HK$1,816/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$59,712/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,254
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,092
−HK$851/mo
Today · 4.125%
HK$32,943
baseline
▲ 0.50% · 4.625%
HK$34,679
+HK$1,736/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$65,886/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,776
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,796
−HK$1,036/mo
Today · 4.125%
HK$34,832
baseline
▲ 0.50% · 4.625%
HK$36,951
+HK$2,119/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,664/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,463
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,441
−HK$992/mo
Today · 4.125%
HK$38,433
baseline
▲ 0.50% · 4.625%
HK$40,459
+HK$2,026/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,866/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,141
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,452
−HK$1,331/mo
Today · 4.125%
HK$44,783
baseline
▲ 0.50% · 4.625%
HK$47,508
+HK$2,725/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$89,566/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,881
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,139
−HK$1,275/mo
Today · 4.125%
HK$49,414
baseline
▲ 0.50% · 4.625%
HK$52,019
+HK$2,605/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$98,828/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,017 · Scale 2, in force from 26 Feb 2026)