LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,202
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,924
−HK$733/mo
Today · 4.125%
HK$24,657
baseline
▲ 0.50% · 4.625%
HK$26,157
+HK$1,500/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,314/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,812
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,504
−HK$702/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$381,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,842
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,708
−HK$880/mo
Today · 4.125%
HK$29,588
baseline
▲ 0.50% · 4.625%
HK$31,388
+HK$1,800/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$59,176/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,974
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,805
−HK$843/mo
Today · 4.125%
HK$32,648
baseline
▲ 0.50% · 4.625%
HK$34,368
+HK$1,720/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$65,296/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,483
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,493
−HK$1,026/mo
Today · 4.125%
HK$34,519
baseline
▲ 0.50% · 4.625%
HK$36,620
+HK$2,101/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$381,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,136
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,106
−HK$983/mo
Today · 4.125%
HK$38,089
baseline
▲ 0.50% · 4.625%
HK$40,097
+HK$2,008/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,178/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,763
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,062
−HK$1,320/mo
Today · 4.125%
HK$44,382
baseline
▲ 0.50% · 4.625%
HK$47,083
+HK$2,701/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$88,764/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,461
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,707
−HK$1,264/mo
Today · 4.125%
HK$48,971
baseline
▲ 0.50% · 4.625%
HK$51,553
+HK$2,582/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$97,942/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,566 · Scale 2, in force from 26 Feb 2026)