LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,120
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,839
−HK$731/mo
Today · 4.125%
HK$24,570
baseline
▲ 0.50% · 4.625%
HK$26,065
+HK$1,495/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,140/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,721
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,411
−HK$699/mo
Today · 4.125%
HK$27,110
baseline
▲ 0.50% · 4.625%
HK$28,539
+HK$1,429/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,220/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,744
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,607
−HK$877/mo
Today · 4.125%
HK$29,484
baseline
▲ 0.50% · 4.625%
HK$31,278
+HK$1,794/mo
Deposit HK$4.06M · loan HK$6.08M · min. income ≈ HK$58,968/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,865
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,693
−HK$839/mo
Today · 4.125%
HK$32,532
baseline
▲ 0.50% · 4.625%
HK$34,247
+HK$1,715/mo
Deposit HK$4.06M · loan HK$6.08M · min. income ≈ HK$65,064/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,368
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,375
−HK$1,023/mo
Today · 4.125%
HK$34,398
baseline
▲ 0.50% · 4.625%
HK$36,491
+HK$2,093/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,796/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,009
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,975
−HK$980/mo
Today · 4.125%
HK$37,955
baseline
▲ 0.50% · 4.625%
HK$39,955
+HK$2,000/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,910/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,616
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,911
−HK$1,315/mo
Today · 4.125%
HK$44,226
baseline
▲ 0.50% · 4.625%
HK$46,917
+HK$2,691/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$88,452/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,297
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,539
−HK$1,260/mo
Today · 4.125%
HK$48,799
baseline
▲ 0.50% · 4.625%
HK$51,371
+HK$2,572/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$97,598/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,221 · Scale 2, in force from 26 Feb 2026)