LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,201
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,923
−HK$733/mo
Today · 4.125%
HK$24,656
baseline
▲ 0.50% · 4.625%
HK$26,156
+HK$1,500/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,312/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,811
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,503
−HK$703/mo
Today · 4.125%
HK$27,206
baseline
▲ 0.50% · 4.625%
HK$28,640
+HK$1,434/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,412/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,841
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,708
−HK$879/mo
Today · 4.125%
HK$29,587
baseline
▲ 0.50% · 4.625%
HK$31,388
+HK$1,801/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$59,174/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,973
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,804
−HK$843/mo
Today · 4.125%
HK$32,647
baseline
▲ 0.50% · 4.625%
HK$34,368
+HK$1,721/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$65,294/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,482
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,492
−HK$1,027/mo
Today · 4.125%
HK$34,519
baseline
▲ 0.50% · 4.625%
HK$36,619
+HK$2,100/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$69,038/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,136
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,105
−HK$983/mo
Today · 4.125%
HK$38,088
baseline
▲ 0.50% · 4.625%
HK$40,096
+HK$2,008/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,176/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,762
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,061
−HK$1,320/mo
Today · 4.125%
HK$44,381
baseline
▲ 0.50% · 4.625%
HK$47,082
+HK$2,701/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$88,762/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,460
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,706
−HK$1,264/mo
Today · 4.125%
HK$48,970
baseline
▲ 0.50% · 4.625%
HK$51,551
+HK$2,581/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$97,940/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,557 · Scale 2, in force from 26 Feb 2026)