LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,434
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,163
−HK$740/mo
Today · 4.125%
HK$24,903
baseline
▲ 0.50% · 4.625%
HK$26,419
+HK$1,516/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,806/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,070
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,769
−HK$709/mo
Today · 4.125%
HK$27,478
baseline
▲ 0.50% · 4.625%
HK$28,927
+HK$1,449/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,956/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,121
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,995
−HK$889/mo
Today · 4.125%
HK$29,884
baseline
▲ 0.50% · 4.625%
HK$31,702
+HK$1,818/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$59,768/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,284
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,123
−HK$851/mo
Today · 4.125%
HK$32,974
baseline
▲ 0.50% · 4.625%
HK$34,712
+HK$1,738/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$65,948/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,807
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,828
−HK$1,037/mo
Today · 4.125%
HK$34,865
baseline
▲ 0.50% · 4.625%
HK$36,986
+HK$2,121/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,730/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,498
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,477
−HK$993/mo
Today · 4.125%
HK$38,470
baseline
▲ 0.50% · 4.625%
HK$40,498
+HK$2,028/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,940/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,181
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,493
−HK$1,333/mo
Today · 4.125%
HK$44,826
baseline
▲ 0.50% · 4.625%
HK$47,554
+HK$2,728/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$89,652/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,926
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,184
−HK$1,277/mo
Today · 4.125%
HK$49,461
baseline
▲ 0.50% · 4.625%
HK$52,068
+HK$2,607/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$98,922/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,382 · Scale 2, in force from 26 Feb 2026)