LTV · monthly repayment
▼ 0.50% · 3.625%
HK$22,860
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,571
−HK$723/mo
Today · 4.125%
HK$24,294
baseline
▲ 0.50% · 4.625%
HK$25,772
+HK$1,478/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,588/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$372,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,432
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,114
−HK$692/mo
Today · 4.125%
HK$26,806
baseline
▲ 0.50% · 4.625%
HK$28,219
+HK$1,413/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,612/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$372,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,432
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,285
−HK$867/mo
Today · 4.125%
HK$29,152
baseline
▲ 0.50% · 4.625%
HK$30,926
+HK$1,774/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$58,304/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,518
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,336
−HK$831/mo
Today · 4.125%
HK$32,167
baseline
▲ 0.50% · 4.625%
HK$33,862
+HK$1,695/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$64,334/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,004
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$33,000
−HK$1,011/mo
Today · 4.125%
HK$34,011
baseline
▲ 0.50% · 4.625%
HK$36,081
+HK$2,070/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,022/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,604
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,559
−HK$969/mo
Today · 4.125%
HK$37,528
baseline
▲ 0.50% · 4.625%
HK$39,506
+HK$1,978/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,056/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,148
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$42,428
−HK$1,301/mo
Today · 4.125%
HK$43,729
baseline
▲ 0.50% · 4.625%
HK$46,389
+HK$2,660/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$87,458/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$372,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,777
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$47,005
−HK$1,245/mo
Today · 4.125%
HK$48,250
baseline
▲ 0.50% · 4.625%
HK$50,794
+HK$2,544/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$96,500/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$372,525 · Scale 2, in force from 26 Feb 2026)