LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,501
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,232
−HK$743/mo
Today · 4.125%
HK$24,975
baseline
▲ 0.50% · 4.625%
HK$26,494
+HK$1,519/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,950/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,145
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,846
−HK$711/mo
Today · 4.125%
HK$27,557
baseline
▲ 0.50% · 4.625%
HK$29,010
+HK$1,453/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,114/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,201
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,078
−HK$892/mo
Today · 4.125%
HK$29,970
baseline
▲ 0.50% · 4.625%
HK$31,793
+HK$1,823/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,940/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,374
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,215
−HK$854/mo
Today · 4.125%
HK$33,069
baseline
▲ 0.50% · 4.625%
HK$34,812
+HK$1,743/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,138/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,901
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,925
−HK$1,040/mo
Today · 4.125%
HK$34,965
baseline
▲ 0.50% · 4.625%
HK$37,092
+HK$2,127/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,930/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,603
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,584
−HK$996/mo
Today · 4.125%
HK$38,580
baseline
▲ 0.50% · 4.625%
HK$40,614
+HK$2,034/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,160/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,302
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,618
−HK$1,337/mo
Today · 4.125%
HK$44,955
baseline
▲ 0.50% · 4.625%
HK$47,690
+HK$2,735/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$89,910/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,060
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,323
−HK$1,280/mo
Today · 4.125%
HK$49,603
baseline
▲ 0.50% · 4.625%
HK$52,218
+HK$2,615/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$99,206/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,487 · Scale 2, in force from 26 Feb 2026)