LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,137
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,857
−HK$731/mo
Today · 4.125%
HK$24,588
baseline
▲ 0.50% · 4.625%
HK$26,084
+HK$1,496/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,176/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,740
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,430
−HK$700/mo
Today · 4.125%
HK$27,130
baseline
▲ 0.50% · 4.625%
HK$28,560
+HK$1,430/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,260/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,764
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,628
−HK$877/mo
Today · 4.125%
HK$29,505
baseline
▲ 0.50% · 4.625%
HK$31,301
+HK$1,796/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,010/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,888
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,716
−HK$840/mo
Today · 4.125%
HK$32,556
baseline
▲ 0.50% · 4.625%
HK$34,272
+HK$1,716/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,112/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,392
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,399
−HK$1,024/mo
Today · 4.125%
HK$34,423
baseline
▲ 0.50% · 4.625%
HK$36,518
+HK$2,095/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,846/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,036
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$37,002
−HK$980/mo
Today · 4.125%
HK$37,982
baseline
▲ 0.50% · 4.625%
HK$39,985
+HK$2,003/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,964/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,647
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,942
−HK$1,316/mo
Today · 4.125%
HK$44,258
baseline
▲ 0.50% · 4.625%
HK$46,951
+HK$2,693/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$88,516/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,331
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,574
−HK$1,261/mo
Today · 4.125%
HK$48,835
baseline
▲ 0.50% · 4.625%
HK$51,409
+HK$2,574/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$97,670/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,500 · Scale 2, in force from 26 Feb 2026)