LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,468
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,198
−HK$741/mo
Today · 4.125%
HK$24,939
baseline
▲ 0.50% · 4.625%
HK$26,457
+HK$1,518/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,878/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,108
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,808
−HK$710/mo
Today · 4.125%
HK$27,518
baseline
▲ 0.50% · 4.625%
HK$28,969
+HK$1,451/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,036/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,161
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,037
−HK$890/mo
Today · 4.125%
HK$29,927
baseline
▲ 0.50% · 4.625%
HK$31,748
+HK$1,821/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,854/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,329
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,169
−HK$853/mo
Today · 4.125%
HK$33,022
baseline
▲ 0.50% · 4.625%
HK$34,762
+HK$1,740/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,044/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,855
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,877
−HK$1,038/mo
Today · 4.125%
HK$34,915
baseline
▲ 0.50% · 4.625%
HK$37,040
+HK$2,125/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$69,830/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,551
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,531
−HK$994/mo
Today · 4.125%
HK$38,525
baseline
▲ 0.50% · 4.625%
HK$40,556
+HK$2,031/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$77,050/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,242
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$43,556
−HK$1,335/mo
Today · 4.125%
HK$44,891
baseline
▲ 0.50% · 4.625%
HK$47,622
+HK$2,731/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$89,782/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$385,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,994
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,254
−HK$1,279/mo
Today · 4.125%
HK$49,533
baseline
▲ 0.50% · 4.625%
HK$52,144
+HK$2,611/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$99,066/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$385,940 · Scale 2, in force from 26 Feb 2026)