LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,437
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,166
−HK$741/mo
Today · 4.125%
HK$24,907
baseline
▲ 0.50% · 4.625%
HK$26,423
+HK$1,516/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,814/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,074
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,773
−HK$709/mo
Today · 4.125%
HK$27,482
baseline
▲ 0.50% · 4.625%
HK$28,931
+HK$1,449/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,964/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,125
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$29,000
−HK$888/mo
Today · 4.125%
HK$29,888
baseline
▲ 0.50% · 4.625%
HK$31,707
+HK$1,819/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$59,776/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,288
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,128
−HK$851/mo
Today · 4.125%
HK$32,979
baseline
▲ 0.50% · 4.625%
HK$34,717
+HK$1,738/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$65,958/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,812
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,833
−HK$1,037/mo
Today · 4.125%
HK$34,870
baseline
▲ 0.50% · 4.625%
HK$36,992
+HK$2,122/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,740/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,503
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,482
−HK$993/mo
Today · 4.125%
HK$38,475
baseline
▲ 0.50% · 4.625%
HK$40,503
+HK$2,028/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,950/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,187
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$43,499
−HK$1,334/mo
Today · 4.125%
HK$44,833
baseline
▲ 0.50% · 4.625%
HK$47,561
+HK$2,728/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$89,666/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,933
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,191
−HK$1,277/mo
Today · 4.125%
HK$49,468
baseline
▲ 0.50% · 4.625%
HK$52,076
+HK$2,608/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$98,936/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,438 · Scale 2, in force from 26 Feb 2026)