LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,502
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,233
−HK$742/mo
Today · 4.125%
HK$24,975
baseline
▲ 0.50% · 4.625%
HK$26,495
+HK$1,520/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$386,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,145
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,847
−HK$711/mo
Today · 4.125%
HK$27,558
baseline
▲ 0.50% · 4.625%
HK$29,011
+HK$1,453/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,116/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,202
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,079
−HK$892/mo
Today · 4.125%
HK$29,971
baseline
▲ 0.50% · 4.625%
HK$31,794
+HK$1,823/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,942/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,375
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,216
−HK$854/mo
Today · 4.125%
HK$33,070
baseline
▲ 0.50% · 4.625%
HK$34,813
+HK$1,743/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,140/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,902
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,926
−HK$1,040/mo
Today · 4.125%
HK$34,966
baseline
▲ 0.50% · 4.625%
HK$37,093
+HK$2,127/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,932/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,604
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,585
−HK$996/mo
Today · 4.125%
HK$38,581
baseline
▲ 0.50% · 4.625%
HK$40,615
+HK$2,034/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,162/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,303
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,619
−HK$1,337/mo
Today · 4.125%
HK$44,956
baseline
▲ 0.50% · 4.625%
HK$47,691
+HK$2,735/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$89,912/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,062
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$48,324
−HK$1,280/mo
Today · 4.125%
HK$49,604
baseline
▲ 0.50% · 4.625%
HK$52,219
+HK$2,615/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$99,208/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,498 · Scale 2, in force from 26 Feb 2026)