LTV · monthly repayment
▼ 0.50% · 3.625%
HK$22,970
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,685
−HK$726/mo
Today · 4.125%
HK$24,411
baseline
▲ 0.50% · 4.625%
HK$25,896
+HK$1,485/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,822/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$377,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,554
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,240
−HK$695/mo
Today · 4.125%
HK$26,935
baseline
▲ 0.50% · 4.625%
HK$28,355
+HK$1,420/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,870/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$377,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,564
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,422
−HK$871/mo
Today · 4.125%
HK$29,293
baseline
▲ 0.50% · 4.625%
HK$31,075
+HK$1,782/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$58,586/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,665
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,487
−HK$835/mo
Today · 4.125%
HK$32,322
baseline
▲ 0.50% · 4.625%
HK$34,025
+HK$1,703/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$64,644/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,158
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,159
−HK$1,016/mo
Today · 4.125%
HK$34,175
baseline
▲ 0.50% · 4.625%
HK$36,254
+HK$2,079/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$68,350/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,776
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,735
−HK$974/mo
Today · 4.125%
HK$37,709
baseline
▲ 0.50% · 4.625%
HK$39,696
+HK$1,987/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$75,418/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,346
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$42,633
−HK$1,306/mo
Today · 4.125%
HK$43,939
baseline
▲ 0.50% · 4.625%
HK$46,613
+HK$2,674/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$87,878/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$377,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,997
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,231
−HK$1,252/mo
Today · 4.125%
HK$48,483
baseline
▲ 0.50% · 4.625%
HK$51,038
+HK$2,555/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$96,966/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$377,354 · Scale 2, in force from 26 Feb 2026)