LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,480
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,211
−HK$742/mo
Today · 4.125%
HK$24,953
baseline
▲ 0.50% · 4.625%
HK$26,471
+HK$1,518/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,906/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$386,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,122
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,822
−HK$711/mo
Today · 4.125%
HK$27,533
baseline
▲ 0.50% · 4.625%
HK$28,984
+HK$1,451/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,066/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$386,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,176
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,053
−HK$890/mo
Today · 4.125%
HK$29,943
baseline
▲ 0.50% · 4.625%
HK$31,765
+HK$1,822/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,886/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,346
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,187
−HK$853/mo
Today · 4.125%
HK$33,040
baseline
▲ 0.50% · 4.625%
HK$34,781
+HK$1,741/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,080/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,873
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,895
−HK$1,039/mo
Today · 4.125%
HK$34,934
baseline
▲ 0.50% · 4.625%
HK$37,060
+HK$2,126/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,868/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,570
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,551
−HK$995/mo
Today · 4.125%
HK$38,546
baseline
▲ 0.50% · 4.625%
HK$40,578
+HK$2,032/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,092/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,265
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,579
−HK$1,336/mo
Today · 4.125%
HK$44,915
baseline
▲ 0.50% · 4.625%
HK$47,648
+HK$2,733/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$89,830/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,019
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,280
−HK$1,279/mo
Today · 4.125%
HK$49,559
baseline
▲ 0.50% · 4.625%
HK$52,172
+HK$2,613/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$99,118/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,147 · Scale 2, in force from 26 Feb 2026)