LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,554
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,287
−HK$744/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$387,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,204
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,907
−HK$713/mo
Today · 4.125%
HK$27,620
baseline
▲ 0.50% · 4.625%
HK$29,075
+HK$1,455/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,240/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,265
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,144
−HK$894/mo
Today · 4.125%
HK$30,038
baseline
▲ 0.50% · 4.625%
HK$31,865
+HK$1,827/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$60,076/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,445
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,288
−HK$856/mo
Today · 4.125%
HK$33,144
baseline
▲ 0.50% · 4.625%
HK$34,891
+HK$1,747/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$66,288/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,976
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$34,002
−HK$1,042/mo
Today · 4.125%
HK$35,044
baseline
▲ 0.50% · 4.625%
HK$37,176
+HK$2,132/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$70,088/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,685
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,669
−HK$998/mo
Today · 4.125%
HK$38,667
baseline
▲ 0.50% · 4.625%
HK$40,706
+HK$2,039/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$387,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,398
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$43,717
−HK$1,339/mo
Today · 4.125%
HK$45,056
baseline
▲ 0.50% · 4.625%
HK$47,798
+HK$2,742/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$90,112/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,167
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,432
−HK$1,283/mo
Today · 4.125%
HK$49,715
baseline
▲ 0.50% · 4.625%
HK$52,336
+HK$2,621/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$99,430/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,363 · Scale 2, in force from 26 Feb 2026)