LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,111
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,829
−HK$731/mo
Today · 4.125%
HK$24,560
baseline
▲ 0.50% · 4.625%
HK$26,054
+HK$1,494/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,120/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,710
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,400
−HK$699/mo
Today · 4.125%
HK$27,099
baseline
▲ 0.50% · 4.625%
HK$28,528
+HK$1,429/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,198/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,733
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,595
−HK$877/mo
Today · 4.125%
HK$29,472
baseline
▲ 0.50% · 4.625%
HK$31,265
+HK$1,793/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$58,944/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$380,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,852
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,680
−HK$839/mo
Today · 4.125%
HK$32,519
baseline
▲ 0.50% · 4.625%
HK$34,233
+HK$1,714/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$65,038/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$380,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,355
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,361
−HK$1,023/mo
Today · 4.125%
HK$34,384
baseline
▲ 0.50% · 4.625%
HK$36,476
+HK$2,092/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$68,768/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,994
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,960
−HK$979/mo
Today · 4.125%
HK$37,939
baseline
▲ 0.50% · 4.625%
HK$39,939
+HK$2,000/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$75,878/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,599
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,893
−HK$1,315/mo
Today · 4.125%
HK$44,208
baseline
▲ 0.50% · 4.625%
HK$46,898
+HK$2,690/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$88,416/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,278
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,520
−HK$1,259/mo
Today · 4.125%
HK$48,779
baseline
▲ 0.50% · 4.625%
HK$51,350
+HK$2,571/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$97,558/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,065 · Scale 2, in force from 26 Feb 2026)