LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,427
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,156
−HK$740/mo
Today · 4.125%
HK$24,896
baseline
▲ 0.50% · 4.625%
HK$26,411
+HK$1,515/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,792/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,062
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,761
−HK$709/mo
Today · 4.125%
HK$27,470
baseline
▲ 0.50% · 4.625%
HK$28,918
+HK$1,448/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,940/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,112
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,987
−HK$888/mo
Today · 4.125%
HK$29,875
baseline
▲ 0.50% · 4.625%
HK$31,693
+HK$1,818/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$59,750/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,275
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,114
−HK$850/mo
Today · 4.125%
HK$32,964
baseline
▲ 0.50% · 4.625%
HK$34,702
+HK$1,738/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$65,928/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,798
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,818
−HK$1,037/mo
Today · 4.125%
HK$34,855
baseline
▲ 0.50% · 4.625%
HK$36,975
+HK$2,120/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,710/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,487
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,466
−HK$993/mo
Today · 4.125%
HK$38,459
baseline
▲ 0.50% · 4.625%
HK$40,486
+HK$2,027/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,918/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,169
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,480
−HK$1,333/mo
Today · 4.125%
HK$44,813
baseline
▲ 0.50% · 4.625%
HK$47,540
+HK$2,727/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$89,626/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,912
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,170
−HK$1,277/mo
Today · 4.125%
HK$49,447
baseline
▲ 0.50% · 4.625%
HK$52,053
+HK$2,606/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$98,894/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,270 · Scale 2, in force from 26 Feb 2026)