LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,190
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,912
−HK$733/mo
Today · 4.125%
HK$24,645
baseline
▲ 0.50% · 4.625%
HK$26,144
+HK$1,499/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,290/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,799
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,491
−HK$702/mo
Today · 4.125%
HK$27,193
baseline
▲ 0.50% · 4.625%
HK$28,626
+HK$1,433/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,386/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,828
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,694
−HK$880/mo
Today · 4.125%
HK$29,574
baseline
▲ 0.50% · 4.625%
HK$31,373
+HK$1,799/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$59,148/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,959
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,789
−HK$842/mo
Today · 4.125%
HK$32,631
baseline
▲ 0.50% · 4.625%
HK$34,351
+HK$1,720/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$65,262/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,466
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,476
−HK$1,026/mo
Today · 4.125%
HK$34,502
baseline
▲ 0.50% · 4.625%
HK$36,602
+HK$2,100/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$69,004/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,119
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,087
−HK$983/mo
Today · 4.125%
HK$38,070
baseline
▲ 0.50% · 4.625%
HK$40,077
+HK$2,007/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,140/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,743
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,041
−HK$1,319/mo
Today · 4.125%
HK$44,360
baseline
▲ 0.50% · 4.625%
HK$47,059
+HK$2,699/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$88,720/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,438
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,684
−HK$1,263/mo
Today · 4.125%
HK$48,947
baseline
▲ 0.50% · 4.625%
HK$51,527
+HK$2,580/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$97,894/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,378 · Scale 2, in force from 26 Feb 2026)