LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,129
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,849
−HK$731/mo
Today · 4.125%
HK$24,580
baseline
▲ 0.50% · 4.625%
HK$26,075
+HK$1,495/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,160/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,731
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,421
−HK$700/mo
Today · 4.125%
HK$27,121
baseline
▲ 0.50% · 4.625%
HK$28,551
+HK$1,430/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,242/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,755
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,618
−HK$878/mo
Today · 4.125%
HK$29,496
baseline
▲ 0.50% · 4.625%
HK$31,290
+HK$1,794/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$58,992/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,877
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,705
−HK$841/mo
Today · 4.125%
HK$32,546
baseline
▲ 0.50% · 4.625%
HK$34,261
+HK$1,715/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,092/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,381
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,388
−HK$1,024/mo
Today · 4.125%
HK$34,412
baseline
▲ 0.50% · 4.625%
HK$36,505
+HK$2,093/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,824/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,024
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,990
−HK$980/mo
Today · 4.125%
HK$37,970
baseline
▲ 0.50% · 4.625%
HK$39,971
+HK$2,001/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,940/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,633
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,928
−HK$1,315/mo
Today · 4.125%
HK$44,243
baseline
▲ 0.50% · 4.625%
HK$46,936
+HK$2,693/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$88,486/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,316
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,558
−HK$1,260/mo
Today · 4.125%
HK$48,818
baseline
▲ 0.50% · 4.625%
HK$51,392
+HK$2,574/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$97,636/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,374 · Scale 2, in force from 26 Feb 2026)