LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,210
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,932
−HK$734/mo
Today · 4.125%
HK$24,666
baseline
▲ 0.50% · 4.625%
HK$26,166
+HK$1,500/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,332/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,821
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,513
−HK$703/mo
Today · 4.125%
HK$27,216
baseline
▲ 0.50% · 4.625%
HK$28,651
+HK$1,435/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,432/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,852
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,718
−HK$881/mo
Today · 4.125%
HK$29,599
baseline
▲ 0.50% · 4.625%
HK$31,400
+HK$1,801/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$59,198/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,985
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,816
−HK$843/mo
Today · 4.125%
HK$32,659
baseline
▲ 0.50% · 4.625%
HK$34,381
+HK$1,722/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$65,318/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,494
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,505
−HK$1,027/mo
Today · 4.125%
HK$34,532
baseline
▲ 0.50% · 4.625%
HK$36,633
+HK$2,101/mo
Deposit HK$3.05M · loan HK$7.13M · min. income ≈ HK$69,064/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,149
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,119
−HK$983/mo
Today · 4.125%
HK$38,102
baseline
▲ 0.50% · 4.625%
HK$40,111
+HK$2,009/mo
Deposit HK$3.05M · loan HK$7.13M · min. income ≈ HK$76,204/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,778
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$43,078
−HK$1,320/mo
Today · 4.125%
HK$44,398
baseline
▲ 0.50% · 4.625%
HK$47,099
+HK$2,701/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$88,796/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,478
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,724
−HK$1,265/mo
Today · 4.125%
HK$48,989
baseline
▲ 0.50% · 4.625%
HK$51,571
+HK$2,582/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$97,978/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,702 · Scale 2, in force from 26 Feb 2026)