LTV · monthly repayment
▼ 0.50% · 3.625%
HK$22,920
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,633
−HK$725/mo
Today · 4.125%
HK$24,358
baseline
▲ 0.50% · 4.625%
HK$25,840
+HK$1,482/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,716/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,499
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,182
−HK$694/mo
Today · 4.125%
HK$26,876
baseline
▲ 0.50% · 4.625%
HK$28,293
+HK$1,417/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$375,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,504
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,360
−HK$869/mo
Today · 4.125%
HK$29,229
baseline
▲ 0.50% · 4.625%
HK$31,008
+HK$1,779/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,458/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,598
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,419
−HK$832/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$375,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,088
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,086
−HK$1,015/mo
Today · 4.125%
HK$34,101
baseline
▲ 0.50% · 4.625%
HK$36,176
+HK$2,075/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$68,202/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,698
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,655
−HK$972/mo
Today · 4.125%
HK$37,627
baseline
▲ 0.50% · 4.625%
HK$39,610
+HK$1,983/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$75,254/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,256
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,540
−HK$1,304/mo
Today · 4.125%
HK$43,844
baseline
▲ 0.50% · 4.625%
HK$46,511
+HK$2,667/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$87,688/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,897
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,128
−HK$1,249/mo
Today · 4.125%
HK$48,377
baseline
▲ 0.50% · 4.625%
HK$50,927
+HK$2,550/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$96,754/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,162 · Scale 2, in force from 26 Feb 2026)