LTV · monthly repayment
▼ 0.50% · 3.625%
HK$22,993
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,709
−HK$726/mo
Today · 4.125%
HK$24,435
baseline
▲ 0.50% · 4.625%
HK$25,922
+HK$1,487/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,870/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,580
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,266
−HK$696/mo
Today · 4.125%
HK$26,962
baseline
▲ 0.50% · 4.625%
HK$28,383
+HK$1,421/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,924/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,592
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,450
−HK$872/mo
Today · 4.125%
HK$29,322
baseline
▲ 0.50% · 4.625%
HK$31,107
+HK$1,785/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$58,644/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,696
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,519
−HK$835/mo
Today · 4.125%
HK$32,354
baseline
▲ 0.50% · 4.625%
HK$34,060
+HK$1,706/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$64,708/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,191
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,192
−HK$1,018/mo
Today · 4.125%
HK$34,210
baseline
▲ 0.50% · 4.625%
HK$36,291
+HK$2,081/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$68,420/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,812
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,772
−HK$975/mo
Today · 4.125%
HK$37,747
baseline
▲ 0.50% · 4.625%
HK$39,737
+HK$1,990/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$75,494/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,388
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$42,676
−HK$1,308/mo
Today · 4.125%
HK$43,984
baseline
▲ 0.50% · 4.625%
HK$46,660
+HK$2,676/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$87,968/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,044
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$47,279
−HK$1,253/mo
Today · 4.125%
HK$48,532
baseline
▲ 0.50% · 4.625%
HK$51,090
+HK$2,558/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$97,064/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,140 · Scale 2, in force from 26 Feb 2026)