LTV · monthly repayment
▼ 0.50% · 3.625%
HK$22,972
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,687
−HK$726/mo
Today · 4.125%
HK$24,413
baseline
▲ 0.50% · 4.625%
HK$25,898
+HK$1,485/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,826/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$377,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,556
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,242
−HK$695/mo
Today · 4.125%
HK$26,937
baseline
▲ 0.50% · 4.625%
HK$28,357
+HK$1,420/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,874/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$377,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,567
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,424
−HK$871/mo
Today · 4.125%
HK$29,295
baseline
▲ 0.50% · 4.625%
HK$31,078
+HK$1,783/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$58,590/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,668
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,490
−HK$834/mo
Today · 4.125%
HK$32,324
baseline
▲ 0.50% · 4.625%
HK$34,028
+HK$1,704/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$64,648/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,161
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,161
−HK$1,017/mo
Today · 4.125%
HK$34,178
baseline
▲ 0.50% · 4.625%
HK$36,257
+HK$2,079/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$68,356/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,779
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,738
−HK$974/mo
Today · 4.125%
HK$37,712
baseline
▲ 0.50% · 4.625%
HK$39,700
+HK$1,988/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$75,424/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,350
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$42,636
−HK$1,307/mo
Today · 4.125%
HK$43,943
baseline
▲ 0.50% · 4.625%
HK$46,617
+HK$2,674/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$87,886/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$377,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,001
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,235
−HK$1,252/mo
Today · 4.125%
HK$48,487
baseline
▲ 0.50% · 4.625%
HK$51,042
+HK$2,555/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$96,974/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$377,438 · Scale 2, in force from 26 Feb 2026)