LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,435
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,164
−HK$741/mo
Today · 4.125%
HK$24,905
baseline
▲ 0.50% · 4.625%
HK$26,420
+HK$1,515/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,810/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,072
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,771
−HK$709/mo
Today · 4.125%
HK$27,480
baseline
▲ 0.50% · 4.625%
HK$28,929
+HK$1,449/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,960/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,123
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,997
−HK$889/mo
Today · 4.125%
HK$29,886
baseline
▲ 0.50% · 4.625%
HK$31,705
+HK$1,819/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$59,772/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,286
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,125
−HK$851/mo
Today · 4.125%
HK$32,976
baseline
▲ 0.50% · 4.625%
HK$34,715
+HK$1,739/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$65,952/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,810
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,830
−HK$1,037/mo
Today · 4.125%
HK$34,867
baseline
▲ 0.50% · 4.625%
HK$36,989
+HK$2,122/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,734/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,500
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,479
−HK$993/mo
Today · 4.125%
HK$38,472
baseline
▲ 0.50% · 4.625%
HK$40,500
+HK$2,028/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,944/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,184
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,496
−HK$1,333/mo
Today · 4.125%
HK$44,829
baseline
▲ 0.50% · 4.625%
HK$47,557
+HK$2,728/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$89,658/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,929
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,188
−HK$1,276/mo
Today · 4.125%
HK$49,464
baseline
▲ 0.50% · 4.625%
HK$52,072
+HK$2,608/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$98,928/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,408 · Scale 2, in force from 26 Feb 2026)