LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,509
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,240
−HK$743/mo
Today · 4.125%
HK$24,983
baseline
▲ 0.50% · 4.625%
HK$26,504
+HK$1,521/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,966/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,154
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,855
−HK$712/mo
Today · 4.125%
HK$27,567
baseline
▲ 0.50% · 4.625%
HK$29,020
+HK$1,453/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,134/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,211
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,089
−HK$891/mo
Today · 4.125%
HK$29,980
baseline
▲ 0.50% · 4.625%
HK$31,804
+HK$1,824/mo
Deposit HK$4.12M · loan HK$6.19M · min. income ≈ HK$59,960/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,384
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,226
−HK$854/mo
Today · 4.125%
HK$33,080
baseline
▲ 0.50% · 4.625%
HK$34,824
+HK$1,744/mo
Deposit HK$4.12M · loan HK$6.19M · min. income ≈ HK$66,160/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,913
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,937
−HK$1,040/mo
Today · 4.125%
HK$34,977
baseline
▲ 0.50% · 4.625%
HK$37,105
+HK$2,128/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$69,954/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,615
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,597
−HK$996/mo
Today · 4.125%
HK$38,593
baseline
▲ 0.50% · 4.625%
HK$40,628
+HK$2,035/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$77,186/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,317
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,633
−HK$1,337/mo
Today · 4.125%
HK$44,970
baseline
▲ 0.50% · 4.625%
HK$47,706
+HK$2,736/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$89,940/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,077
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,339
−HK$1,281/mo
Today · 4.125%
HK$49,620
baseline
▲ 0.50% · 4.625%
HK$52,236
+HK$2,616/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$99,240/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,621 · Scale 2, in force from 26 Feb 2026)