LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,164
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,884
−HK$732/mo
Today · 4.125%
HK$24,616
baseline
▲ 0.50% · 4.625%
HK$26,114
+HK$1,498/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,232/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,769
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,460
−HK$701/mo
Today · 4.125%
HK$27,161
baseline
▲ 0.50% · 4.625%
HK$28,593
+HK$1,432/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,322/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,796
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,661
−HK$878/mo
Today · 4.125%
HK$29,539
baseline
▲ 0.50% · 4.625%
HK$31,337
+HK$1,798/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,078/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,923
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,752
−HK$842/mo
Today · 4.125%
HK$32,594
baseline
▲ 0.50% · 4.625%
HK$34,312
+HK$1,718/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,188/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,429
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,438
−HK$1,025/mo
Today · 4.125%
HK$34,463
baseline
▲ 0.50% · 4.625%
HK$36,560
+HK$2,097/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,926/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,077
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,044
−HK$982/mo
Today · 4.125%
HK$38,026
baseline
▲ 0.50% · 4.625%
HK$40,030
+HK$2,004/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,052/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,694
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$42,991
−HK$1,318/mo
Today · 4.125%
HK$44,309
baseline
▲ 0.50% · 4.625%
HK$47,005
+HK$2,696/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,618/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,385
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,629
−HK$1,262/mo
Today · 4.125%
HK$48,891
baseline
▲ 0.50% · 4.625%
HK$51,468
+HK$2,577/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,782/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,937 · Scale 2, in force from 26 Feb 2026)