LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,470
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,200
−HK$742/mo
Today · 4.125%
HK$24,942
baseline
▲ 0.50% · 4.625%
HK$26,460
+HK$1,518/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,884/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,110
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,811
−HK$710/mo
Today · 4.125%
HK$27,521
baseline
▲ 0.50% · 4.625%
HK$28,972
+HK$1,451/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,042/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,980 · 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$31,752
+HK$1,822/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$385,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,332
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,173
−HK$852/mo
Today · 4.125%
HK$33,025
baseline
▲ 0.50% · 4.625%
HK$34,766
+HK$1,741/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$385,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,858
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,880
−HK$1,039/mo
Today · 4.125%
HK$34,919
baseline
▲ 0.50% · 4.625%
HK$37,043
+HK$2,124/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$69,838/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,554
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,535
−HK$994/mo
Today · 4.125%
HK$38,529
baseline
▲ 0.50% · 4.625%
HK$40,560
+HK$2,031/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$385,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,246
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,560
−HK$1,336/mo
Today · 4.125%
HK$44,896
baseline
▲ 0.50% · 4.625%
HK$47,627
+HK$2,731/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$89,792/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$385,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,999
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,259
−HK$1,279/mo
Today · 4.125%
HK$49,538
baseline
▲ 0.50% · 4.625%
HK$52,149
+HK$2,611/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$99,076/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$385,980 · Scale 2, in force from 26 Feb 2026)