LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,483
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,214
−HK$742/mo
Today · 4.125%
HK$24,956
baseline
▲ 0.50% · 4.625%
HK$26,474
+HK$1,518/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,912/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,125
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,825
−HK$711/mo
Today · 4.125%
HK$27,536
baseline
▲ 0.50% · 4.625%
HK$28,988
+HK$1,452/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,072/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,180
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,056
−HK$891/mo
Today · 4.125%
HK$29,947
baseline
▲ 0.50% · 4.625%
HK$31,769
+HK$1,822/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,894/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,350
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,191
−HK$852/mo
Today · 4.125%
HK$33,043
baseline
▲ 0.50% · 4.625%
HK$34,785
+HK$1,742/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,086/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,876
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,899
−HK$1,039/mo
Today · 4.125%
HK$34,938
baseline
▲ 0.50% · 4.625%
HK$37,064
+HK$2,126/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,876/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,575
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,556
−HK$995/mo
Today · 4.125%
HK$38,551
baseline
▲ 0.50% · 4.625%
HK$40,583
+HK$2,032/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,102/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,270
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,585
−HK$1,335/mo
Today · 4.125%
HK$44,920
baseline
▲ 0.50% · 4.625%
HK$47,654
+HK$2,734/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$89,840/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,025
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,286
−HK$1,279/mo
Today · 4.125%
HK$49,565
baseline
▲ 0.50% · 4.625%
HK$52,178
+HK$2,613/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$99,130/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,193 · Scale 2, in force from 26 Feb 2026)