LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,554
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,286
−HK$745/mo
Today · 4.125%
HK$25,031
baseline
▲ 0.50% · 4.625%
HK$26,554
+HK$1,523/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$50,062/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,203
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,906
−HK$713/mo
Today · 4.125%
HK$27,619
baseline
▲ 0.50% · 4.625%
HK$29,075
+HK$1,456/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,238/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,264
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,144
−HK$893/mo
Today · 4.125%
HK$30,037
baseline
▲ 0.50% · 4.625%
HK$31,865
+HK$1,828/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$60,074/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,444
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,287
−HK$856/mo
Today · 4.125%
HK$33,143
baseline
▲ 0.50% · 4.625%
HK$34,890
+HK$1,747/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$66,286/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,975
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$34,001
−HK$1,042/mo
Today · 4.125%
HK$35,043
baseline
▲ 0.50% · 4.625%
HK$37,175
+HK$2,132/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$70,086/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,685
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,668
−HK$999/mo
Today · 4.125%
HK$38,667
baseline
▲ 0.50% · 4.625%
HK$40,705
+HK$2,038/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$77,334/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,397
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$43,715
−HK$1,340/mo
Today · 4.125%
HK$45,055
baseline
▲ 0.50% · 4.625%
HK$47,797
+HK$2,742/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$90,110/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,166
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,431
−HK$1,283/mo
Today · 4.125%
HK$49,714
baseline
▲ 0.50% · 4.625%
HK$52,335
+HK$2,621/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$99,428/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,354 · Scale 2, in force from 26 Feb 2026)