LTV · monthly repayment
▼ 0.50% · 3.625%
HK$22,916
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,629
−HK$724/mo
Today · 4.125%
HK$24,353
baseline
▲ 0.50% · 4.625%
HK$25,835
+HK$1,482/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,706/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,494
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,178
−HK$694/mo
Today · 4.125%
HK$26,872
baseline
▲ 0.50% · 4.625%
HK$28,288
+HK$1,416/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,744/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,500
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,355
−HK$869/mo
Today · 4.125%
HK$29,224
baseline
▲ 0.50% · 4.625%
HK$31,002
+HK$1,778/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,448/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,593
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,413
−HK$833/mo
Today · 4.125%
HK$32,246
baseline
▲ 0.50% · 4.625%
HK$33,946
+HK$1,700/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,492/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,083
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,081
−HK$1,014/mo
Today · 4.125%
HK$34,095
baseline
▲ 0.50% · 4.625%
HK$36,169
+HK$2,074/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,190/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,692
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,649
−HK$971/mo
Today · 4.125%
HK$37,620
baseline
▲ 0.50% · 4.625%
HK$39,603
+HK$1,983/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,240/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,249
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,532
−HK$1,304/mo
Today · 4.125%
HK$43,836
baseline
▲ 0.50% · 4.625%
HK$46,503
+HK$2,667/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$87,672/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,889
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,120
−HK$1,249/mo
Today · 4.125%
HK$48,369
baseline
▲ 0.50% · 4.625%
HK$50,918
+HK$2,549/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$96,738/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,988 · Scale 2, in force from 26 Feb 2026)