LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,164
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,885
−HK$732/mo
Today · 4.125%
HK$24,617
baseline
▲ 0.50% · 4.625%
HK$26,115
+HK$1,498/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,234/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,770
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,461
−HK$701/mo
Today · 4.125%
HK$27,162
baseline
▲ 0.50% · 4.625%
HK$28,594
+HK$1,432/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,324/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,797
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,662
−HK$878/mo
Today · 4.125%
HK$29,540
baseline
▲ 0.50% · 4.625%
HK$31,337
+HK$1,797/mo
Deposit HK$4.06M · loan HK$6.10M · min. income ≈ HK$59,080/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,924
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,753
−HK$842/mo
Today · 4.125%
HK$32,595
baseline
▲ 0.50% · 4.625%
HK$34,313
+HK$1,718/mo
Deposit HK$4.06M · loan HK$6.10M · min. income ≈ HK$65,190/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,430
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,439
−HK$1,024/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$380,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,078
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,045
−HK$982/mo
Today · 4.125%
HK$38,027
baseline
▲ 0.50% · 4.625%
HK$40,031
+HK$2,004/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,054/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,695
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$42,992
−HK$1,318/mo
Today · 4.125%
HK$44,310
baseline
▲ 0.50% · 4.625%
HK$47,006
+HK$2,696/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,620/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,386
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,630
−HK$1,262/mo
Today · 4.125%
HK$48,892
baseline
▲ 0.50% · 4.625%
HK$51,469
+HK$2,577/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,784/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,946 · Scale 2, in force from 26 Feb 2026)