LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,189
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,910
−HK$733/mo
Today · 4.125%
HK$24,643
baseline
▲ 0.50% · 4.625%
HK$26,142
+HK$1,499/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,286/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,797
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,489
−HK$702/mo
Today · 4.125%
HK$27,191
baseline
▲ 0.50% · 4.625%
HK$28,624
+HK$1,433/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,382/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,826
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,692
−HK$879/mo
Today · 4.125%
HK$29,571
baseline
▲ 0.50% · 4.625%
HK$31,371
+HK$1,800/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$59,142/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,957
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,787
−HK$842/mo
Today · 4.125%
HK$32,629
baseline
▲ 0.50% · 4.625%
HK$34,349
+HK$1,720/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$65,258/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,464
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,474
−HK$1,026/mo
Today · 4.125%
HK$34,500
baseline
▲ 0.50% · 4.625%
HK$36,599
+HK$2,099/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$69,000/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,116
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,085
−HK$982/mo
Today · 4.125%
HK$38,067
baseline
▲ 0.50% · 4.625%
HK$40,074
+HK$2,007/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,134/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,740
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,038
−HK$1,319/mo
Today · 4.125%
HK$44,357
baseline
▲ 0.50% · 4.625%
HK$47,056
+HK$2,699/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$88,714/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,435
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,680
−HK$1,264/mo
Today · 4.125%
HK$48,944
baseline
▲ 0.50% · 4.625%
HK$51,523
+HK$2,579/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$97,888/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,350 · Scale 2, in force from 26 Feb 2026)