LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,027
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,744
−HK$727/mo
Today · 4.125%
HK$24,471
baseline
▲ 0.50% · 4.625%
HK$25,960
+HK$1,489/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,942/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,618
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,305
−HK$697/mo
Today · 4.125%
HK$27,002
baseline
▲ 0.50% · 4.625%
HK$28,425
+HK$1,423/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$54,004/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,633
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,492
−HK$873/mo
Today · 4.125%
HK$29,365
baseline
▲ 0.50% · 4.625%
HK$31,152
+HK$1,787/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,730/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,741
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,566
−HK$836/mo
Today · 4.125%
HK$32,402
baseline
▲ 0.50% · 4.625%
HK$34,110
+HK$1,708/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,804/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,238
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,241
−HK$1,019/mo
Today · 4.125%
HK$34,260
baseline
▲ 0.50% · 4.625%
HK$36,344
+HK$2,084/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,520/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,865
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,826
−HK$976/mo
Today · 4.125%
HK$37,802
baseline
▲ 0.50% · 4.625%
HK$39,795
+HK$1,993/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,604/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,449
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,738
−HK$1,310/mo
Today · 4.125%
HK$44,048
baseline
▲ 0.50% · 4.625%
HK$46,728
+HK$2,680/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$88,096/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,112
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,348
−HK$1,255/mo
Today · 4.125%
HK$48,603
baseline
▲ 0.50% · 4.625%
HK$51,165
+HK$2,562/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$97,206/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,695 · Scale 2, in force from 26 Feb 2026)