LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,000
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,715
−HK$727/mo
Today · 4.125%
HK$24,442
baseline
▲ 0.50% · 4.625%
HK$25,930
+HK$1,488/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,884/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,587
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,273
−HK$697/mo
Today · 4.125%
HK$26,970
baseline
▲ 0.50% · 4.625%
HK$28,391
+HK$1,421/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,940/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,600
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,459
−HK$872/mo
Today · 4.125%
HK$29,331
baseline
▲ 0.50% · 4.625%
HK$31,115
+HK$1,784/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$58,662/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,705
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,528
−HK$836/mo
Today · 4.125%
HK$32,364
baseline
▲ 0.50% · 4.625%
HK$34,070
+HK$1,706/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$64,728/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,200
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,202
−HK$1,017/mo
Today · 4.125%
HK$34,219
baseline
▲ 0.50% · 4.625%
HK$36,301
+HK$2,082/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$68,438/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,822
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,783
−HK$975/mo
Today · 4.125%
HK$37,758
baseline
▲ 0.50% · 4.625%
HK$39,748
+HK$1,990/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$75,516/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,400
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$42,688
−HK$1,308/mo
Today · 4.125%
HK$43,996
baseline
▲ 0.50% · 4.625%
HK$46,673
+HK$2,677/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$87,992/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,057
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$47,292
−HK$1,253/mo
Today · 4.125%
HK$48,545
baseline
▲ 0.50% · 4.625%
HK$51,104
+HK$2,559/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$97,090/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,247 · Scale 2, in force from 26 Feb 2026)