LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,153
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,873
−HK$732/mo
Today · 4.125%
HK$24,605
baseline
▲ 0.50% · 4.625%
HK$26,102
+HK$1,497/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,210/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,757
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,448
−HK$701/mo
Today · 4.125%
HK$27,149
baseline
▲ 0.50% · 4.625%
HK$28,580
+HK$1,431/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,298/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,784
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,648
−HK$878/mo
Today · 4.125%
HK$29,526
baseline
▲ 0.50% · 4.625%
HK$31,322
+HK$1,796/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,052/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,909
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,738
−HK$841/mo
Today · 4.125%
HK$32,579
baseline
▲ 0.50% · 4.625%
HK$34,296
+HK$1,717/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,158/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,414
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,422
−HK$1,025/mo
Today · 4.125%
HK$34,447
baseline
▲ 0.50% · 4.625%
HK$36,543
+HK$2,096/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,894/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,060
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,028
−HK$981/mo
Today · 4.125%
HK$38,009
baseline
▲ 0.50% · 4.625%
HK$40,012
+HK$2,003/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,018/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,675
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,972
−HK$1,317/mo
Today · 4.125%
HK$44,289
baseline
▲ 0.50% · 4.625%
HK$46,984
+HK$2,695/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,578/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,363
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,607
−HK$1,261/mo
Today · 4.125%
HK$48,868
baseline
▲ 0.50% · 4.625%
HK$51,444
+HK$2,576/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,736/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,763 · Scale 2, in force from 26 Feb 2026)