LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,422
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,150
−HK$740/mo
Today · 4.125%
HK$24,890
baseline
▲ 0.50% · 4.625%
HK$26,405
+HK$1,515/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,780/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,056
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,755
−HK$709/mo
Today · 4.125%
HK$27,464
baseline
▲ 0.50% · 4.625%
HK$28,912
+HK$1,448/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,928/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,106
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,980
−HK$888/mo
Today · 4.125%
HK$29,868
baseline
▲ 0.50% · 4.625%
HK$31,686
+HK$1,818/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$59,736/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,267
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,106
−HK$851/mo
Today · 4.125%
HK$32,957
baseline
▲ 0.50% · 4.625%
HK$34,694
+HK$1,737/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$65,914/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,790
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,810
−HK$1,036/mo
Today · 4.125%
HK$34,846
baseline
▲ 0.50% · 4.625%
HK$36,967
+HK$2,121/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,692/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,479
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,457
−HK$993/mo
Today · 4.125%
HK$38,450
baseline
▲ 0.50% · 4.625%
HK$40,476
+HK$2,026/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,900/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,159
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,470
−HK$1,332/mo
Today · 4.125%
HK$44,802
baseline
▲ 0.50% · 4.625%
HK$47,529
+HK$2,727/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$89,604/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,901
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,159
−HK$1,276/mo
Today · 4.125%
HK$49,435
baseline
▲ 0.50% · 4.625%
HK$52,041
+HK$2,606/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$98,870/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,180 · Scale 2, in force from 26 Feb 2026)