LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,009
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,725
−HK$727/mo
Today · 4.125%
HK$24,452
baseline
▲ 0.50% · 4.625%
HK$25,940
+HK$1,488/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,904/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,598
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,284
−HK$696/mo
Today · 4.125%
HK$26,980
baseline
▲ 0.50% · 4.625%
HK$28,403
+HK$1,423/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$53,960/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,611
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,470
−HK$872/mo
Today · 4.125%
HK$29,342
baseline
▲ 0.50% · 4.625%
HK$31,128
+HK$1,786/mo
Deposit HK$4.04M · loan HK$6.05M · min. income ≈ HK$58,684/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,717
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,541
−HK$836/mo
Today · 4.125%
HK$32,377
baseline
▲ 0.50% · 4.625%
HK$34,083
+HK$1,706/mo
Deposit HK$4.04M · loan HK$6.05M · min. income ≈ HK$64,754/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,213
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,215
−HK$1,018/mo
Today · 4.125%
HK$34,233
baseline
▲ 0.50% · 4.625%
HK$36,316
+HK$2,083/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$68,466/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,837
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,798
−HK$975/mo
Today · 4.125%
HK$37,773
baseline
▲ 0.50% · 4.625%
HK$39,764
+HK$1,991/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$75,546/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,417
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,705
−HK$1,309/mo
Today · 4.125%
HK$44,014
baseline
▲ 0.50% · 4.625%
HK$46,692
+HK$2,678/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$88,028/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,076
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,311
−HK$1,254/mo
Today · 4.125%
HK$48,565
baseline
▲ 0.50% · 4.625%
HK$51,125
+HK$2,560/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$97,130/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,399 · Scale 2, in force from 26 Feb 2026)