LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,004
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,720
−HK$727/mo
Today · 4.125%
HK$24,447
baseline
▲ 0.50% · 4.625%
HK$25,934
+HK$1,487/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,894/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,592
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,278
−HK$696/mo
Today · 4.125%
HK$26,974
baseline
▲ 0.50% · 4.625%
HK$28,396
+HK$1,422/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,948/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,605
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,464
−HK$872/mo
Today · 4.125%
HK$29,336
baseline
▲ 0.50% · 4.625%
HK$31,121
+HK$1,785/mo
Deposit HK$4.04M · loan HK$6.05M · min. income ≈ HK$58,672/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,710
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,534
−HK$835/mo
Today · 4.125%
HK$32,369
baseline
▲ 0.50% · 4.625%
HK$34,076
+HK$1,707/mo
Deposit HK$4.04M · loan HK$6.05M · min. income ≈ HK$64,738/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,206
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,207
−HK$1,018/mo
Today · 4.125%
HK$34,225
baseline
▲ 0.50% · 4.625%
HK$36,308
+HK$2,083/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$68,450/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,829
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,789
−HK$975/mo
Today · 4.125%
HK$37,764
baseline
▲ 0.50% · 4.625%
HK$39,755
+HK$1,991/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$75,528/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,407
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,695
−HK$1,309/mo
Today · 4.125%
HK$44,004
baseline
▲ 0.50% · 4.625%
HK$46,681
+HK$2,677/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$88,008/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,065
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,301
−HK$1,253/mo
Today · 4.125%
HK$48,554
baseline
▲ 0.50% · 4.625%
HK$51,113
+HK$2,559/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$97,108/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,315 · Scale 2, in force from 26 Feb 2026)