LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,116
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,835
−HK$730/mo
Today · 4.125%
HK$24,565
baseline
▲ 0.50% · 4.625%
HK$26,060
+HK$1,495/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,130/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,716
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,406
−HK$700/mo
Today · 4.125%
HK$27,106
baseline
▲ 0.50% · 4.625%
HK$28,534
+HK$1,428/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,212/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,739
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,602
−HK$877/mo
Today · 4.125%
HK$29,479
baseline
▲ 0.50% · 4.625%
HK$31,272
+HK$1,793/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$58,958/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,859
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,687
−HK$840/mo
Today · 4.125%
HK$32,527
baseline
▲ 0.50% · 4.625%
HK$34,241
+HK$1,714/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$65,054/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,362
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,369
−HK$1,023/mo
Today · 4.125%
HK$34,392
baseline
▲ 0.50% · 4.625%
HK$36,484
+HK$2,092/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,784/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,003
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,968
−HK$980/mo
Today · 4.125%
HK$37,948
baseline
▲ 0.50% · 4.625%
HK$39,948
+HK$2,000/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,896/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,609
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,903
−HK$1,315/mo
Today · 4.125%
HK$44,218
baseline
▲ 0.50% · 4.625%
HK$46,908
+HK$2,690/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$88,436/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,289
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,531
−HK$1,259/mo
Today · 4.125%
HK$48,790
baseline
▲ 0.50% · 4.625%
HK$51,362
+HK$2,572/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$97,580/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,153 · Scale 2, in force from 26 Feb 2026)