LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,508
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,239
−HK$743/mo
Today · 4.125%
HK$24,982
baseline
▲ 0.50% · 4.625%
HK$26,502
+HK$1,520/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,964/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,152
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,854
−HK$711/mo
Today · 4.125%
HK$27,565
baseline
▲ 0.50% · 4.625%
HK$29,018
+HK$1,453/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,130/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,210
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,087
−HK$892/mo
Today · 4.125%
HK$29,979
baseline
▲ 0.50% · 4.625%
HK$31,803
+HK$1,824/mo
Deposit HK$4.12M · loan HK$6.19M · min. income ≈ HK$59,958/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,383
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,225
−HK$853/mo
Today · 4.125%
HK$33,078
baseline
▲ 0.50% · 4.625%
HK$34,822
+HK$1,744/mo
Deposit HK$4.12M · loan HK$6.19M · min. income ≈ HK$66,156/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,911
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,935
−HK$1,040/mo
Today · 4.125%
HK$34,975
baseline
▲ 0.50% · 4.625%
HK$37,103
+HK$2,128/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$69,950/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,613
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,595
−HK$996/mo
Today · 4.125%
HK$38,591
baseline
▲ 0.50% · 4.625%
HK$40,626
+HK$2,035/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$77,182/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,314
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$43,631
−HK$1,337/mo
Today · 4.125%
HK$44,968
baseline
▲ 0.50% · 4.625%
HK$47,704
+HK$2,736/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$89,936/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,074
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,337
−HK$1,281/mo
Today · 4.125%
HK$49,618
baseline
▲ 0.50% · 4.625%
HK$52,233
+HK$2,615/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$99,236/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,602 · Scale 2, in force from 26 Feb 2026)