LTV · monthly repayment
▼ 0.50% · 3.625%
HK$22,902
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,614
−HK$724/mo
Today · 4.125%
HK$24,338
baseline
▲ 0.50% · 4.625%
HK$25,819
+HK$1,481/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,676/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,478
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,162
−HK$693/mo
Today · 4.125%
HK$26,855
baseline
▲ 0.50% · 4.625%
HK$28,270
+HK$1,415/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,710/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,482
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,337
−HK$869/mo
Today · 4.125%
HK$29,206
baseline
▲ 0.50% · 4.625%
HK$30,983
+HK$1,777/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,412/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,574
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,394
−HK$832/mo
Today · 4.125%
HK$32,226
baseline
▲ 0.50% · 4.625%
HK$33,924
+HK$1,698/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,452/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,063
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,060
−HK$1,014/mo
Today · 4.125%
HK$34,074
baseline
▲ 0.50% · 4.625%
HK$36,147
+HK$2,073/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,148/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,670
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,626
−HK$971/mo
Today · 4.125%
HK$37,597
baseline
▲ 0.50% · 4.625%
HK$39,579
+HK$1,982/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,194/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,224
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$42,506
−HK$1,303/mo
Today · 4.125%
HK$43,809
baseline
▲ 0.50% · 4.625%
HK$46,474
+HK$2,665/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$87,618/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,861
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,091
−HK$1,248/mo
Today · 4.125%
HK$48,339
baseline
▲ 0.50% · 4.625%
HK$50,887
+HK$2,548/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$96,678/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,364 · Scale 2, in force from 26 Feb 2026)