LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,200
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,922
−HK$733/mo
Today · 4.125%
HK$24,655
baseline
▲ 0.50% · 4.625%
HK$26,155
+HK$1,500/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,310/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,810
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,502
−HK$703/mo
Today · 4.125%
HK$27,205
baseline
▲ 0.50% · 4.625%
HK$28,638
+HK$1,433/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,410/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,840
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,706
−HK$880/mo
Today · 4.125%
HK$29,586
baseline
▲ 0.50% · 4.625%
HK$31,386
+HK$1,800/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$59,172/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,972
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,803
−HK$842/mo
Today · 4.125%
HK$32,645
baseline
▲ 0.50% · 4.625%
HK$34,366
+HK$1,721/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$65,290/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,480
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,491
−HK$1,026/mo
Today · 4.125%
HK$34,517
baseline
▲ 0.50% · 4.625%
HK$36,617
+HK$2,100/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$69,034/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,134
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,103
−HK$983/mo
Today · 4.125%
HK$38,086
baseline
▲ 0.50% · 4.625%
HK$40,094
+HK$2,008/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,172/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,760
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,059
−HK$1,320/mo
Today · 4.125%
HK$44,379
baseline
▲ 0.50% · 4.625%
HK$47,080
+HK$2,701/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$88,758/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,458
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,704
−HK$1,264/mo
Today · 4.125%
HK$48,968
baseline
▲ 0.50% · 4.625%
HK$51,549
+HK$2,581/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$97,936/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,541 · Scale 2, in force from 26 Feb 2026)