LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,171
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,892
−HK$732/mo
Today · 4.125%
HK$24,624
baseline
▲ 0.50% · 4.625%
HK$26,123
+HK$1,499/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,248/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,778
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,469
−HK$701/mo
Today · 4.125%
HK$27,170
baseline
▲ 0.50% · 4.625%
HK$28,603
+HK$1,433/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,340/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,806
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,670
−HK$879/mo
Today · 4.125%
HK$29,549
baseline
▲ 0.50% · 4.625%
HK$31,347
+HK$1,798/mo
Deposit HK$4.06M · loan HK$6.10M · min. income ≈ HK$59,098/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,933
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,763
−HK$842/mo
Today · 4.125%
HK$32,605
baseline
▲ 0.50% · 4.625%
HK$34,323
+HK$1,718/mo
Deposit HK$4.06M · loan HK$6.10M · min. income ≈ HK$65,210/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,440
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,449
−HK$1,025/mo
Today · 4.125%
HK$34,474
baseline
▲ 0.50% · 4.625%
HK$36,572
+HK$2,098/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,948/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,089
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,057
−HK$982/mo
Today · 4.125%
HK$38,039
baseline
▲ 0.50% · 4.625%
HK$40,044
+HK$2,005/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,078/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,708
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$43,006
−HK$1,318/mo
Today · 4.125%
HK$44,324
baseline
▲ 0.50% · 4.625%
HK$47,021
+HK$2,697/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$88,648/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,400
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,644
−HK$1,263/mo
Today · 4.125%
HK$48,907
baseline
▲ 0.50% · 4.625%
HK$51,485
+HK$2,578/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$97,814/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,064 · Scale 2, in force from 26 Feb 2026)