LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,001
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,716
−HK$727/mo
Today · 4.125%
HK$24,443
baseline
▲ 0.50% · 4.625%
HK$25,930
+HK$1,487/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,886/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,588
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,274
−HK$696/mo
Today · 4.125%
HK$26,970
baseline
▲ 0.50% · 4.625%
HK$28,392
+HK$1,422/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,940/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,601
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,459
−HK$873/mo
Today · 4.125%
HK$29,332
baseline
▲ 0.50% · 4.625%
HK$31,116
+HK$1,784/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$58,664/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,706
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,529
−HK$835/mo
Today · 4.125%
HK$32,364
baseline
▲ 0.50% · 4.625%
HK$34,070
+HK$1,706/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$64,728/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,201
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,202
−HK$1,018/mo
Today · 4.125%
HK$34,220
baseline
▲ 0.50% · 4.625%
HK$36,302
+HK$2,082/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$68,440/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,823
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,784
−HK$975/mo
Today · 4.125%
HK$37,759
baseline
▲ 0.50% · 4.625%
HK$39,749
+HK$1,990/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$75,518/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,401
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$42,689
−HK$1,308/mo
Today · 4.125%
HK$43,997
baseline
▲ 0.50% · 4.625%
HK$46,674
+HK$2,677/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$87,994/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,058
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,294
−HK$1,253/mo
Today · 4.125%
HK$48,547
baseline
▲ 0.50% · 4.625%
HK$51,106
+HK$2,559/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$97,094/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,257 · Scale 2, in force from 26 Feb 2026)