LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,199
−HK$1,454/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$381,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,808
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,500
−HK$703/mo
Today · 4.125%
HK$27,203
baseline
▲ 0.50% · 4.625%
HK$28,636
+HK$1,433/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,406/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,838
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,704
−HK$880/mo
Today · 4.125%
HK$29,584
baseline
▲ 0.50% · 4.625%
HK$31,384
+HK$1,800/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$59,168/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,970
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,800
−HK$843/mo
Today · 4.125%
HK$32,643
baseline
▲ 0.50% · 4.625%
HK$34,364
+HK$1,721/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$65,286/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,478
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,488
−HK$1,027/mo
Today · 4.125%
HK$34,515
baseline
▲ 0.50% · 4.625%
HK$36,615
+HK$2,100/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$69,030/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,132
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,101
−HK$983/mo
Today · 4.125%
HK$38,084
baseline
▲ 0.50% · 4.625%
HK$40,091
+HK$2,007/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,168/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,758
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$43,056
−HK$1,320/mo
Today · 4.125%
HK$44,376
baseline
▲ 0.50% · 4.625%
HK$47,076
+HK$2,700/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$88,752/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,455
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,701
−HK$1,264/mo
Today · 4.125%
HK$48,965
baseline
▲ 0.50% · 4.625%
HK$51,546
+HK$2,581/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$97,930/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,514 · Scale 2, in force from 26 Feb 2026)