LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,163
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,883
−HK$732/mo
Today · 4.125%
HK$24,615
baseline
▲ 0.50% · 4.625%
HK$26,113
+HK$1,498/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,230/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,768
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,459
−HK$701/mo
Today · 4.125%
HK$27,160
baseline
▲ 0.50% · 4.625%
HK$28,592
+HK$1,432/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,320/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,795
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,660
−HK$878/mo
Today · 4.125%
HK$29,538
baseline
▲ 0.50% · 4.625%
HK$31,335
+HK$1,797/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,076/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,922
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,751
−HK$841/mo
Today · 4.125%
HK$32,592
baseline
▲ 0.50% · 4.625%
HK$34,310
+HK$1,718/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,184/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,428
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,436
−HK$1,025/mo
Today · 4.125%
HK$34,461
baseline
▲ 0.50% · 4.625%
HK$36,558
+HK$2,097/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,922/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,075
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,043
−HK$982/mo
Today · 4.125%
HK$38,025
baseline
▲ 0.50% · 4.625%
HK$40,029
+HK$2,004/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,050/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,693
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,990
−HK$1,317/mo
Today · 4.125%
HK$44,307
baseline
▲ 0.50% · 4.625%
HK$47,003
+HK$2,696/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,614/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,383
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,627
−HK$1,262/mo
Today · 4.125%
HK$48,889
baseline
▲ 0.50% · 4.625%
HK$51,466
+HK$2,577/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,778/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,922 · Scale 2, in force from 26 Feb 2026)