LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,134
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,854
−HK$731/mo
Today · 4.125%
HK$24,585
baseline
▲ 0.50% · 4.625%
HK$26,081
+HK$1,496/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,170/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,737
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,427
−HK$700/mo
Today · 4.125%
HK$27,127
baseline
▲ 0.50% · 4.625%
HK$28,557
+HK$1,430/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,254/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,761
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,625
−HK$877/mo
Today · 4.125%
HK$29,502
baseline
▲ 0.50% · 4.625%
HK$31,297
+HK$1,795/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,004/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,884
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,712
−HK$841/mo
Today · 4.125%
HK$32,553
baseline
▲ 0.50% · 4.625%
HK$34,269
+HK$1,716/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,106/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,388
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,396
−HK$1,023/mo
Today · 4.125%
HK$34,419
baseline
▲ 0.50% · 4.625%
HK$36,514
+HK$2,095/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,838/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,032
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,998
−HK$980/mo
Today · 4.125%
HK$37,978
baseline
▲ 0.50% · 4.625%
HK$39,980
+HK$2,002/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,956/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,642
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,937
−HK$1,316/mo
Today · 4.125%
HK$44,253
baseline
▲ 0.50% · 4.625%
HK$46,946
+HK$2,693/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$88,506/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,326
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,569
−HK$1,260/mo
Today · 4.125%
HK$48,829
baseline
▲ 0.50% · 4.625%
HK$51,403
+HK$2,574/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$97,658/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,458 · Scale 2, in force from 26 Feb 2026)