LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,475
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,205
−HK$742/mo
Today · 4.125%
HK$24,947
baseline
▲ 0.50% · 4.625%
HK$26,465
+HK$1,518/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,894/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$386,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,116
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,816
−HK$710/mo
Today · 4.125%
HK$27,526
baseline
▲ 0.50% · 4.625%
HK$28,977
+HK$1,451/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,052/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$386,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,170
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,046
−HK$890/mo
Today · 4.125%
HK$29,936
baseline
▲ 0.50% · 4.625%
HK$31,758
+HK$1,822/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,872/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$386,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,339
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,179
−HK$853/mo
Today · 4.125%
HK$33,032
baseline
▲ 0.50% · 4.625%
HK$34,773
+HK$1,741/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,064/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$386,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,865
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,887
−HK$1,039/mo
Today · 4.125%
HK$34,926
baseline
▲ 0.50% · 4.625%
HK$37,051
+HK$2,125/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,852/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$386,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,562
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,542
−HK$995/mo
Today · 4.125%
HK$38,537
baseline
▲ 0.50% · 4.625%
HK$40,568
+HK$2,031/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,074/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$386,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,255
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,569
−HK$1,336/mo
Today · 4.125%
HK$44,905
baseline
▲ 0.50% · 4.625%
HK$47,637
+HK$2,732/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$89,810/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,008
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,269
−HK$1,279/mo
Today · 4.125%
HK$49,548
baseline
▲ 0.50% · 4.625%
HK$52,159
+HK$2,611/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$99,096/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,057 · Scale 2, in force from 26 Feb 2026)