LTV · monthly repayment
▼ 0.50% · 3.625%
HK$22,888
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,600
−HK$724/mo
Today · 4.125%
HK$24,324
baseline
▲ 0.50% · 4.625%
HK$25,804
+HK$1,480/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,648/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,463
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,146
−HK$693/mo
Today · 4.125%
HK$26,839
baseline
▲ 0.50% · 4.625%
HK$28,254
+HK$1,415/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,678/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,466
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,321
−HK$868/mo
Today · 4.125%
HK$29,189
baseline
▲ 0.50% · 4.625%
HK$30,965
+HK$1,776/mo
Deposit HK$4.02M · loan HK$6.02M · min. income ≈ HK$58,378/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,556
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,375
−HK$832/mo
Today · 4.125%
HK$32,207
baseline
▲ 0.50% · 4.625%
HK$33,904
+HK$1,697/mo
Deposit HK$4.02M · loan HK$6.02M · min. income ≈ HK$64,414/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,044
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,041
−HK$1,012/mo
Today · 4.125%
HK$34,053
baseline
▲ 0.50% · 4.625%
HK$36,125
+HK$2,072/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,106/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$373,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,648
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,605
−HK$969/mo
Today · 4.125%
HK$37,574
baseline
▲ 0.50% · 4.625%
HK$39,555
+HK$1,981/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,148/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$373,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,199
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$42,481
−HK$1,302/mo
Today · 4.125%
HK$43,783
baseline
▲ 0.50% · 4.625%
HK$46,447
+HK$2,664/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$87,566/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,834
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,063
−HK$1,247/mo
Today · 4.125%
HK$48,310
baseline
▲ 0.50% · 4.625%
HK$50,857
+HK$2,547/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$96,620/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,768 · Scale 2, in force from 26 Feb 2026)