LTV · monthly repayment
▼ 0.50% · 3.625%
HK$22,858
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,569
−HK$723/mo
Today · 4.125%
HK$24,292
baseline
▲ 0.50% · 4.625%
HK$25,770
+HK$1,478/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,584/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$372,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,430
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,112
−HK$692/mo
Today · 4.125%
HK$26,804
baseline
▲ 0.50% · 4.625%
HK$28,216
+HK$1,412/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,608/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$372,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,430
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,283
−HK$867/mo
Today · 4.125%
HK$29,150
baseline
▲ 0.50% · 4.625%
HK$30,924
+HK$1,774/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,300/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,516
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,334
−HK$830/mo
Today · 4.125%
HK$32,164
baseline
▲ 0.50% · 4.625%
HK$33,860
+HK$1,696/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,328/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,002
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,997
−HK$1,011/mo
Today · 4.125%
HK$34,008
baseline
▲ 0.50% · 4.625%
HK$36,078
+HK$2,070/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,016/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,602
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,556
−HK$969/mo
Today · 4.125%
HK$37,525
baseline
▲ 0.50% · 4.625%
HK$39,503
+HK$1,978/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,050/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,145
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$42,425
−HK$1,300/mo
Today · 4.125%
HK$43,725
baseline
▲ 0.50% · 4.625%
HK$46,386
+HK$2,661/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$87,450/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$372,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,773
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$47,001
−HK$1,245/mo
Today · 4.125%
HK$48,246
baseline
▲ 0.50% · 4.625%
HK$50,790
+HK$2,544/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$96,492/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$372,446 · Scale 2, in force from 26 Feb 2026)