LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,460
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,190
−HK$741/mo
Today · 4.125%
HK$24,931
baseline
▲ 0.50% · 4.625%
HK$26,448
+HK$1,517/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,862/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,099
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,799
−HK$710/mo
Today · 4.125%
HK$27,509
baseline
▲ 0.50% · 4.625%
HK$28,959
+HK$1,450/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$55,018/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,152
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,028
−HK$890/mo
Today · 4.125%
HK$29,918
baseline
▲ 0.50% · 4.625%
HK$31,738
+HK$1,820/mo
Deposit HK$4.12M · loan HK$6.17M · min. income ≈ HK$59,836/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,319
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,159
−HK$852/mo
Today · 4.125%
HK$33,011
baseline
▲ 0.50% · 4.625%
HK$34,751
+HK$1,740/mo
Deposit HK$4.12M · loan HK$6.17M · min. income ≈ HK$66,022/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,844
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,866
−HK$1,038/mo
Today · 4.125%
HK$34,904
baseline
▲ 0.50% · 4.625%
HK$37,028
+HK$2,124/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$69,808/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,539
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,519
−HK$994/mo
Today · 4.125%
HK$38,513
baseline
▲ 0.50% · 4.625%
HK$40,543
+HK$2,030/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$77,026/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,228
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,542
−HK$1,334/mo
Today · 4.125%
HK$44,876
baseline
▲ 0.50% · 4.625%
HK$47,607
+HK$2,731/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$89,752/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,978
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,238
−HK$1,279/mo
Today · 4.125%
HK$49,517
baseline
▲ 0.50% · 4.625%
HK$52,127
+HK$2,610/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$99,034/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,814 · Scale 2, in force from 26 Feb 2026)