LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,227
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,949
−HK$734/mo
Today · 4.125%
HK$24,683
baseline
▲ 0.50% · 4.625%
HK$26,185
+HK$1,502/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,366/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,839
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,532
−HK$703/mo
Today · 4.125%
HK$27,235
baseline
▲ 0.50% · 4.625%
HK$28,671
+HK$1,436/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,470/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,872
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,739
−HK$881/mo
Today · 4.125%
HK$29,620
baseline
▲ 0.50% · 4.625%
HK$31,422
+HK$1,802/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$59,240/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$381,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,007
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,839
−HK$843/mo
Today · 4.125%
HK$32,682
baseline
▲ 0.50% · 4.625%
HK$34,405
+HK$1,723/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$65,364/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$381,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,517
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,529
−HK$1,027/mo
Today · 4.125%
HK$34,556
baseline
▲ 0.50% · 4.625%
HK$36,659
+HK$2,103/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$69,112/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,175
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,145
−HK$984/mo
Today · 4.125%
HK$38,129
baseline
▲ 0.50% · 4.625%
HK$40,139
+HK$2,010/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$76,258/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,808
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,108
−HK$1,321/mo
Today · 4.125%
HK$44,429
baseline
▲ 0.50% · 4.625%
HK$47,133
+HK$2,704/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$88,858/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,511
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,758
−HK$1,266/mo
Today · 4.125%
HK$49,024
baseline
▲ 0.50% · 4.625%
HK$51,608
+HK$2,584/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$98,048/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,973 · Scale 2, in force from 26 Feb 2026)