LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,230
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,952
−HK$734/mo
Today · 4.125%
HK$24,686
baseline
▲ 0.50% · 4.625%
HK$26,189
+HK$1,503/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,372/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,843
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,536
−HK$703/mo
Today · 4.125%
HK$27,239
baseline
▲ 0.50% · 4.625%
HK$28,675
+HK$1,436/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,478/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,876
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,743
−HK$881/mo
Today · 4.125%
HK$29,624
baseline
▲ 0.50% · 4.625%
HK$31,426
+HK$1,802/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$59,248/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,011
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,843
−HK$844/mo
Today · 4.125%
HK$32,687
baseline
▲ 0.50% · 4.625%
HK$34,410
+HK$1,723/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$65,374/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,522
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,533
−HK$1,028/mo
Today · 4.125%
HK$34,561
baseline
▲ 0.50% · 4.625%
HK$36,664
+HK$2,103/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$69,122/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,180
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,150
−HK$985/mo
Today · 4.125%
HK$38,135
baseline
▲ 0.50% · 4.625%
HK$40,145
+HK$2,010/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$76,270/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,813
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,114
−HK$1,322/mo
Today · 4.125%
HK$44,436
baseline
▲ 0.50% · 4.625%
HK$47,139
+HK$2,703/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$88,872/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,517
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,765
−HK$1,265/mo
Today · 4.125%
HK$49,030
baseline
▲ 0.50% · 4.625%
HK$51,615
+HK$2,585/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$98,060/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,025 · Scale 2, in force from 26 Feb 2026)