LTV · monthly repayment
▼ 0.50% · 3.625%
HK$22,920
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,633
−HK$724/mo
Today · 4.125%
HK$24,357
baseline
▲ 0.50% · 4.625%
HK$25,839
+HK$1,482/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,714/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,498
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,182
−HK$694/mo
Today · 4.125%
HK$26,876
baseline
▲ 0.50% · 4.625%
HK$28,292
+HK$1,416/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,752/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,504
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,359
−HK$869/mo
Today · 4.125%
HK$29,228
baseline
▲ 0.50% · 4.625%
HK$31,007
+HK$1,779/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,456/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,598
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,418
−HK$833/mo
Today · 4.125%
HK$32,251
baseline
▲ 0.50% · 4.625%
HK$33,951
+HK$1,700/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,502/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,088
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,086
−HK$1,014/mo
Today · 4.125%
HK$34,100
baseline
▲ 0.50% · 4.625%
HK$36,175
+HK$2,075/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$68,200/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,697
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,655
−HK$971/mo
Today · 4.125%
HK$37,626
baseline
▲ 0.50% · 4.625%
HK$39,609
+HK$1,983/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$75,252/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,256
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,539
−HK$1,304/mo
Today · 4.125%
HK$43,843
baseline
▲ 0.50% · 4.625%
HK$46,510
+HK$2,667/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$87,686/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,896
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,127
−HK$1,249/mo
Today · 4.125%
HK$48,376
baseline
▲ 0.50% · 4.625%
HK$50,926
+HK$2,550/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$96,752/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,141 · Scale 2, in force from 26 Feb 2026)