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$26,158
+HK$1,501/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$381,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,812
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,505
−HK$702/mo
Today · 4.125%
HK$27,207
baseline
▲ 0.50% · 4.625%
HK$28,641
+HK$1,434/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,414/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,843
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,709
−HK$880/mo
Today · 4.125%
HK$29,589
baseline
▲ 0.50% · 4.625%
HK$31,389
+HK$1,800/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$59,178/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,975
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,806
−HK$842/mo
Today · 4.125%
HK$32,648
baseline
▲ 0.50% · 4.625%
HK$34,369
+HK$1,721/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$381,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,483
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,494
−HK$1,026/mo
Today · 4.125%
HK$34,520
baseline
▲ 0.50% · 4.625%
HK$36,621
+HK$2,101/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$69,040/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,137
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,107
−HK$983/mo
Today · 4.125%
HK$38,090
baseline
▲ 0.50% · 4.625%
HK$40,098
+HK$2,008/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,180/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,764
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,063
−HK$1,320/mo
Today · 4.125%
HK$44,383
baseline
▲ 0.50% · 4.625%
HK$47,084
+HK$2,701/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$88,766/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,462
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,709
−HK$1,264/mo
Today · 4.125%
HK$48,973
baseline
▲ 0.50% · 4.625%
HK$51,554
+HK$2,581/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$97,946/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,576 · Scale 2, in force from 26 Feb 2026)