LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,417
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,146
−HK$740/mo
Today · 4.125%
HK$24,886
baseline
▲ 0.50% · 4.625%
HK$26,400
+HK$1,514/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,772/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,052
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,750
−HK$709/mo
Today · 4.125%
HK$27,459
baseline
▲ 0.50% · 4.625%
HK$28,907
+HK$1,448/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,918/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,101
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,975
−HK$888/mo
Today · 4.125%
HK$29,863
baseline
▲ 0.50% · 4.625%
HK$31,680
+HK$1,817/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$59,726/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,262
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,100
−HK$851/mo
Today · 4.125%
HK$32,951
baseline
▲ 0.50% · 4.625%
HK$34,688
+HK$1,737/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$65,902/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,784
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,804
−HK$1,036/mo
Today · 4.125%
HK$34,840
baseline
▲ 0.50% · 4.625%
HK$36,960
+HK$2,120/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,680/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,472
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,450
−HK$993/mo
Today · 4.125%
HK$38,443
baseline
▲ 0.50% · 4.625%
HK$40,469
+HK$2,026/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,886/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,151
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,462
−HK$1,333/mo
Today · 4.125%
HK$44,795
baseline
▲ 0.50% · 4.625%
HK$47,520
+HK$2,725/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$89,590/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,893
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,151
−HK$1,275/mo
Today · 4.125%
HK$49,426
baseline
▲ 0.50% · 4.625%
HK$52,032
+HK$2,606/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$98,852/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,112 · Scale 2, in force from 26 Feb 2026)