LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,484
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,215
−HK$742/mo
Today · 4.125%
HK$24,957
baseline
▲ 0.50% · 4.625%
HK$26,475
+HK$1,518/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,914/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,126
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,826
−HK$711/mo
Today · 4.125%
HK$27,537
baseline
▲ 0.50% · 4.625%
HK$28,989
+HK$1,452/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,074/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,181
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,057
−HK$891/mo
Today · 4.125%
HK$29,948
baseline
▲ 0.50% · 4.625%
HK$31,770
+HK$1,822/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,896/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,351
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,192
−HK$853/mo
Today · 4.125%
HK$33,045
baseline
▲ 0.50% · 4.625%
HK$34,787
+HK$1,742/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,090/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,878
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,900
−HK$1,039/mo
Today · 4.125%
HK$34,939
baseline
▲ 0.50% · 4.625%
HK$37,065
+HK$2,126/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,878/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,576
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,557
−HK$995/mo
Today · 4.125%
HK$38,552
baseline
▲ 0.50% · 4.625%
HK$40,584
+HK$2,032/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,104/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,271
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$43,586
−HK$1,336/mo
Today · 4.125%
HK$44,922
baseline
▲ 0.50% · 4.625%
HK$47,655
+HK$2,733/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$89,844/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,026
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,288
−HK$1,279/mo
Today · 4.125%
HK$49,567
baseline
▲ 0.50% · 4.625%
HK$52,180
+HK$2,613/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$99,134/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,208 · Scale 2, in force from 26 Feb 2026)