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$5.48M (deposit + AVD stamp duty HK$381,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,840
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,533
−HK$703/mo
Today · 4.125%
HK$27,236
baseline
▲ 0.50% · 4.625%
HK$28,671
+HK$1,435/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,472/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$381,979 · 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$381,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,008
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,839
−HK$844/mo
Today · 4.125%
HK$32,683
baseline
▲ 0.50% · 4.625%
HK$34,406
+HK$1,723/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$65,366/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$381,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,518
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,529
−HK$1,028/mo
Today · 4.125%
HK$34,557
baseline
▲ 0.50% · 4.625%
HK$36,660
+HK$2,103/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$69,114/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,176
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,146
−HK$984/mo
Today · 4.125%
HK$38,130
baseline
▲ 0.50% · 4.625%
HK$40,140
+HK$2,010/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$76,260/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,808
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,109
−HK$1,321/mo
Today · 4.125%
HK$44,430
baseline
▲ 0.50% · 4.625%
HK$47,134
+HK$2,704/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$88,860/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,511
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,759
−HK$1,265/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$381,979 · Scale 2, in force from 26 Feb 2026)