LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,224
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,947
−HK$734/mo
Today · 4.125%
HK$24,681
baseline
▲ 0.50% · 4.625%
HK$26,182
+HK$1,501/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,362/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,837
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,530
−HK$703/mo
Today · 4.125%
HK$27,233
baseline
▲ 0.50% · 4.625%
HK$28,668
+HK$1,435/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,466/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,869
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,736
−HK$881/mo
Today · 4.125%
HK$29,617
baseline
▲ 0.50% · 4.625%
HK$31,419
+HK$1,802/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$59,234/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$381,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,004
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,835
−HK$844/mo
Today · 4.125%
HK$32,679
baseline
▲ 0.50% · 4.625%
HK$34,402
+HK$1,723/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$65,358/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$381,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,514
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,525
−HK$1,028/mo
Today · 4.125%
HK$34,553
baseline
▲ 0.50% · 4.625%
HK$36,655
+HK$2,102/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$69,106/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,171
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,141
−HK$985/mo
Today · 4.125%
HK$38,126
baseline
▲ 0.50% · 4.625%
HK$40,135
+HK$2,009/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$76,252/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,803
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,104
−HK$1,321/mo
Today · 4.125%
HK$44,425
baseline
▲ 0.50% · 4.625%
HK$47,128
+HK$2,703/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$88,850/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,506
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,753
−HK$1,266/mo
Today · 4.125%
HK$49,019
baseline
▲ 0.50% · 4.625%
HK$51,602
+HK$2,583/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$98,038/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,934 · Scale 2, in force from 26 Feb 2026)