LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,477
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,207
−HK$742/mo
Today · 4.125%
HK$24,949
baseline
▲ 0.50% · 4.625%
HK$26,467
+HK$1,518/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,898/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$386,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,118
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,818
−HK$711/mo
Today · 4.125%
HK$27,529
baseline
▲ 0.50% · 4.625%
HK$28,980
+HK$1,451/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,058/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$386,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,172
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,048
−HK$891/mo
Today · 4.125%
HK$29,939
baseline
▲ 0.50% · 4.625%
HK$31,760
+HK$1,821/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,878/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$386,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,341
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,182
−HK$852/mo
Today · 4.125%
HK$33,034
baseline
▲ 0.50% · 4.625%
HK$34,776
+HK$1,742/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,068/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$386,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,867
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,890
−HK$1,038/mo
Today · 4.125%
HK$34,928
baseline
▲ 0.50% · 4.625%
HK$37,054
+HK$2,126/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,856/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$386,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,565
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,545
−HK$995/mo
Today · 4.125%
HK$38,540
baseline
▲ 0.50% · 4.625%
HK$40,572
+HK$2,032/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,080/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$386,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,258
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,573
−HK$1,335/mo
Today · 4.125%
HK$44,908
baseline
▲ 0.50% · 4.625%
HK$47,641
+HK$2,733/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$89,816/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,012
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,272
−HK$1,280/mo
Today · 4.125%
HK$49,552
baseline
▲ 0.50% · 4.625%
HK$52,163
+HK$2,611/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$99,104/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,087 · Scale 2, in force from 26 Feb 2026)