LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,055
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,772
−HK$728/mo
Today · 4.125%
HK$24,500
baseline
▲ 0.50% · 4.625%
HK$25,991
+HK$1,491/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,000/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$379,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,648
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,336
−HK$698/mo
Today · 4.125%
HK$27,034
baseline
▲ 0.50% · 4.625%
HK$28,459
+HK$1,425/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,068/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$379,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,666
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,526
−HK$875/mo
Today · 4.125%
HK$29,401
baseline
▲ 0.50% · 4.625%
HK$31,189
+HK$1,788/mo
Deposit HK$4.04M · loan HK$6.07M · min. income ≈ HK$58,802/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$379,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,778
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,603
−HK$838/mo
Today · 4.125%
HK$32,441
baseline
▲ 0.50% · 4.625%
HK$34,151
+HK$1,710/mo
Deposit HK$4.04M · loan HK$6.07M · min. income ≈ HK$64,882/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$379,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,277
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,281
−HK$1,020/mo
Today · 4.125%
HK$34,301
baseline
▲ 0.50% · 4.625%
HK$36,388
+HK$2,087/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$68,602/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,907
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,870
−HK$977/mo
Today · 4.125%
HK$37,847
baseline
▲ 0.50% · 4.625%
HK$39,842
+HK$1,995/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$75,694/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,498
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$42,789
−HK$1,312/mo
Today · 4.125%
HK$44,101
baseline
▲ 0.50% · 4.625%
HK$46,784
+HK$2,683/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$88,202/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,167
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,405
−HK$1,256/mo
Today · 4.125%
HK$48,661
baseline
▲ 0.50% · 4.625%
HK$51,226
+HK$2,565/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$97,322/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,147 · Scale 2, in force from 26 Feb 2026)