LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,028
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,745
−HK$727/mo
Today · 4.125%
HK$24,472
baseline
▲ 0.50% · 4.625%
HK$25,961
+HK$1,489/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,944/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,619
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,306
−HK$697/mo
Today · 4.125%
HK$27,003
baseline
▲ 0.50% · 4.625%
HK$28,426
+HK$1,423/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$54,006/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,634
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,493
−HK$874/mo
Today · 4.125%
HK$29,367
baseline
▲ 0.50% · 4.625%
HK$31,154
+HK$1,787/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,734/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,742
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,567
−HK$836/mo
Today · 4.125%
HK$32,403
baseline
▲ 0.50% · 4.625%
HK$34,111
+HK$1,708/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,806/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,240
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,242
−HK$1,019/mo
Today · 4.125%
HK$34,261
baseline
▲ 0.50% · 4.625%
HK$36,346
+HK$2,085/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,522/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,866
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,828
−HK$976/mo
Today · 4.125%
HK$37,804
baseline
▲ 0.50% · 4.625%
HK$39,797
+HK$1,993/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,608/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,451
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,740
−HK$1,310/mo
Today · 4.125%
HK$44,050
baseline
▲ 0.50% · 4.625%
HK$46,731
+HK$2,681/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$88,100/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,114
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,350
−HK$1,255/mo
Today · 4.125%
HK$48,605
baseline
▲ 0.50% · 4.625%
HK$51,167
+HK$2,562/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$97,210/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,712 · Scale 2, in force from 26 Feb 2026)