LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,506
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,237
−HK$743/mo
Today · 4.125%
HK$24,980
baseline
▲ 0.50% · 4.625%
HK$26,500
+HK$1,520/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,960/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,150
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,851
−HK$712/mo
Today · 4.125%
HK$27,563
baseline
▲ 0.50% · 4.625%
HK$29,016
+HK$1,453/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,126/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,207
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,084
−HK$892/mo
Today · 4.125%
HK$29,976
baseline
▲ 0.50% · 4.625%
HK$31,800
+HK$1,824/mo
Deposit HK$4.12M · loan HK$6.19M · min. income ≈ HK$59,952/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,380
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,221
−HK$854/mo
Today · 4.125%
HK$33,075
baseline
▲ 0.50% · 4.625%
HK$34,819
+HK$1,744/mo
Deposit HK$4.12M · loan HK$6.19M · min. income ≈ HK$66,150/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,908
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,932
−HK$1,040/mo
Today · 4.125%
HK$34,972
baseline
▲ 0.50% · 4.625%
HK$37,100
+HK$2,128/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$69,944/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,610
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,592
−HK$996/mo
Today · 4.125%
HK$38,588
baseline
▲ 0.50% · 4.625%
HK$40,622
+HK$2,034/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$77,176/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,310
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$43,626
−HK$1,338/mo
Today · 4.125%
HK$44,964
baseline
▲ 0.50% · 4.625%
HK$47,700
+HK$2,736/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$89,928/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,070
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,332
−HK$1,281/mo
Today · 4.125%
HK$49,613
baseline
▲ 0.50% · 4.625%
HK$52,228
+HK$2,615/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$99,226/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,565 · Scale 2, in force from 26 Feb 2026)