LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,198
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,920
−HK$733/mo
Today · 4.125%
HK$24,653
baseline
▲ 0.50% · 4.625%
HK$26,153
+HK$1,500/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,306/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,808
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,500
−HK$702/mo
Today · 4.125%
HK$27,202
baseline
▲ 0.50% · 4.625%
HK$28,636
+HK$1,434/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,404/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,838
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,704
−HK$879/mo
Today · 4.125%
HK$29,583
baseline
▲ 0.50% · 4.625%
HK$31,383
+HK$1,800/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$59,166/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,969
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,800
−HK$842/mo
Today · 4.125%
HK$32,642
baseline
▲ 0.50% · 4.625%
HK$34,363
+HK$1,721/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$65,284/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,477
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,487
−HK$1,027/mo
Today · 4.125%
HK$34,514
baseline
▲ 0.50% · 4.625%
HK$36,614
+HK$2,100/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$69,028/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,131
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,100
−HK$983/mo
Today · 4.125%
HK$38,083
baseline
▲ 0.50% · 4.625%
HK$40,090
+HK$2,007/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,166/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,756
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,055
−HK$1,320/mo
Today · 4.125%
HK$44,375
baseline
▲ 0.50% · 4.625%
HK$47,075
+HK$2,700/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$88,750/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,454
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,699
−HK$1,264/mo
Today · 4.125%
HK$48,963
baseline
▲ 0.50% · 4.625%
HK$51,544
+HK$2,581/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$97,926/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,504 · Scale 2, in force from 26 Feb 2026)