LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,155
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,876
−HK$732/mo
Today · 4.125%
HK$24,608
baseline
▲ 0.50% · 4.625%
HK$26,105
+HK$1,497/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,216/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,760
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,451
−HK$701/mo
Today · 4.125%
HK$27,152
baseline
▲ 0.50% · 4.625%
HK$28,583
+HK$1,431/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,304/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,787
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,651
−HK$878/mo
Today · 4.125%
HK$29,529
baseline
▲ 0.50% · 4.625%
HK$31,326
+HK$1,797/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,058/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,912
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,741
−HK$841/mo
Today · 4.125%
HK$32,582
baseline
▲ 0.50% · 4.625%
HK$34,300
+HK$1,718/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,164/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,418
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,426
−HK$1,025/mo
Today · 4.125%
HK$34,451
baseline
▲ 0.50% · 4.625%
HK$36,547
+HK$2,096/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,902/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,064
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,032
−HK$981/mo
Today · 4.125%
HK$38,013
baseline
▲ 0.50% · 4.625%
HK$40,016
+HK$2,003/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,026/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,680
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,976
−HK$1,318/mo
Today · 4.125%
HK$44,294
baseline
▲ 0.50% · 4.625%
HK$46,989
+HK$2,695/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,588/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,368
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,612
−HK$1,262/mo
Today · 4.125%
HK$48,874
baseline
▲ 0.50% · 4.625%
HK$51,450
+HK$2,576/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,748/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,804 · Scale 2, in force from 26 Feb 2026)