LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,470
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,200
−HK$741/mo
Today · 4.125%
HK$24,941
baseline
▲ 0.50% · 4.625%
HK$26,459
+HK$1,518/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,882/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,110
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,810
−HK$710/mo
Today · 4.125%
HK$27,520
baseline
▲ 0.50% · 4.625%
HK$28,971
+HK$1,451/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,040/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,164
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,040
−HK$890/mo
Today · 4.125%
HK$29,930
baseline
▲ 0.50% · 4.625%
HK$31,751
+HK$1,821/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,860/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,332
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,172
−HK$853/mo
Today · 4.125%
HK$33,025
baseline
▲ 0.50% · 4.625%
HK$34,765
+HK$1,740/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,050/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,858
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,880
−HK$1,038/mo
Today · 4.125%
HK$34,918
baseline
▲ 0.50% · 4.625%
HK$37,043
+HK$2,125/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$69,836/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,554
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,534
−HK$995/mo
Today · 4.125%
HK$38,529
baseline
▲ 0.50% · 4.625%
HK$40,559
+HK$2,030/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$77,058/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,245
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,560
−HK$1,335/mo
Today · 4.125%
HK$44,895
baseline
▲ 0.50% · 4.625%
HK$47,626
+HK$2,731/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$89,790/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$385,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,998
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,258
−HK$1,279/mo
Today · 4.125%
HK$49,537
baseline
▲ 0.50% · 4.625%
HK$52,148
+HK$2,611/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$99,074/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$385,972 · Scale 2, in force from 26 Feb 2026)