LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,469
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,199
−HK$741/mo
Today · 4.125%
HK$24,940
baseline
▲ 0.50% · 4.625%
HK$26,458
+HK$1,518/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,880/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,108
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,809
−HK$710/mo
Today · 4.125%
HK$27,519
baseline
▲ 0.50% · 4.625%
HK$28,970
+HK$1,451/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,038/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,162
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,038
−HK$890/mo
Today · 4.125%
HK$29,928
baseline
▲ 0.50% · 4.625%
HK$31,749
+HK$1,821/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,856/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,330
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,170
−HK$853/mo
Today · 4.125%
HK$33,023
baseline
▲ 0.50% · 4.625%
HK$34,764
+HK$1,741/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,046/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,856
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,878
−HK$1,038/mo
Today · 4.125%
HK$34,916
baseline
▲ 0.50% · 4.625%
HK$37,041
+HK$2,125/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$69,832/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,552
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,532
−HK$995/mo
Today · 4.125%
HK$38,527
baseline
▲ 0.50% · 4.625%
HK$40,557
+HK$2,030/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$77,054/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,243
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$43,557
−HK$1,335/mo
Today · 4.125%
HK$44,892
baseline
▲ 0.50% · 4.625%
HK$47,624
+HK$2,732/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$89,784/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$385,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,995
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,256
−HK$1,278/mo
Today · 4.125%
HK$49,534
baseline
▲ 0.50% · 4.625%
HK$52,145
+HK$2,611/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$99,068/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$385,953 · Scale 2, in force from 26 Feb 2026)