LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,488
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,218
−HK$743/mo
Today · 4.125%
HK$24,961
baseline
▲ 0.50% · 4.625%
HK$26,480
+HK$1,519/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,922/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,130
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,831
−HK$711/mo
Today · 4.125%
HK$27,542
baseline
▲ 0.50% · 4.625%
HK$28,993
+HK$1,451/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,084/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,185
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,062
−HK$891/mo
Today · 4.125%
HK$29,953
baseline
▲ 0.50% · 4.625%
HK$31,775
+HK$1,822/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,906/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,356
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,197
−HK$853/mo
Today · 4.125%
HK$33,050
baseline
▲ 0.50% · 4.625%
HK$34,792
+HK$1,742/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,100/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,883
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,906
−HK$1,039/mo
Today · 4.125%
HK$34,945
baseline
▲ 0.50% · 4.625%
HK$37,071
+HK$2,126/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,890/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,582
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,563
−HK$995/mo
Today · 4.125%
HK$38,558
baseline
▲ 0.50% · 4.625%
HK$40,591
+HK$2,033/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,116/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,278
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$43,593
−HK$1,336/mo
Today · 4.125%
HK$44,929
baseline
▲ 0.50% · 4.625%
HK$47,663
+HK$2,734/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$89,858/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,034
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,295
−HK$1,280/mo
Today · 4.125%
HK$49,575
baseline
▲ 0.50% · 4.625%
HK$52,188
+HK$2,613/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$99,150/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,270 · Scale 2, in force from 26 Feb 2026)