LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,228
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,951
−HK$734/mo
Today · 4.125%
HK$24,685
baseline
▲ 0.50% · 4.625%
HK$26,187
+HK$1,502/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,370/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$381,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,841
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,534
−HK$703/mo
Today · 4.125%
HK$27,237
baseline
▲ 0.50% · 4.625%
HK$28,673
+HK$1,436/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,474/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$381,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,874
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,741
−HK$881/mo
Today · 4.125%
HK$29,622
baseline
▲ 0.50% · 4.625%
HK$31,424
+HK$1,802/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$59,244/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$381,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,009
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,841
−HK$844/mo
Today · 4.125%
HK$32,685
baseline
▲ 0.50% · 4.625%
HK$34,407
+HK$1,722/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$65,370/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$381,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,519
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,531
−HK$1,028/mo
Today · 4.125%
HK$34,559
baseline
▲ 0.50% · 4.625%
HK$36,661
+HK$2,102/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$69,118/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,177
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,148
−HK$984/mo
Today · 4.125%
HK$38,132
baseline
▲ 0.50% · 4.625%
HK$40,142
+HK$2,010/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$76,264/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,811
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,111
−HK$1,322/mo
Today · 4.125%
HK$44,433
baseline
▲ 0.50% · 4.625%
HK$47,136
+HK$2,703/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$88,866/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,514
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,761
−HK$1,266/mo
Today · 4.125%
HK$49,027
baseline
▲ 0.50% · 4.625%
HK$51,611
+HK$2,584/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$98,054/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,999 · Scale 2, in force from 26 Feb 2026)