LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,030
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,746
−HK$728/mo
Today · 4.125%
HK$24,474
baseline
▲ 0.50% · 4.625%
HK$25,963
+HK$1,489/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,948/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,620
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,307
−HK$697/mo
Today · 4.125%
HK$27,004
baseline
▲ 0.50% · 4.625%
HK$28,428
+HK$1,424/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$54,008/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,635
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,495
−HK$873/mo
Today · 4.125%
HK$29,368
baseline
▲ 0.50% · 4.625%
HK$31,155
+HK$1,787/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,736/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,744
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,569
−HK$836/mo
Today · 4.125%
HK$32,405
baseline
▲ 0.50% · 4.625%
HK$34,113
+HK$1,708/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,810/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,241
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,244
−HK$1,019/mo
Today · 4.125%
HK$34,263
baseline
▲ 0.50% · 4.625%
HK$36,348
+HK$2,085/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,526/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,868
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,830
−HK$976/mo
Today · 4.125%
HK$37,806
baseline
▲ 0.50% · 4.625%
HK$39,799
+HK$1,993/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,612/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,453
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,743
−HK$1,310/mo
Today · 4.125%
HK$44,053
baseline
▲ 0.50% · 4.625%
HK$46,733
+HK$2,680/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$88,106/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,116
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,353
−HK$1,255/mo
Today · 4.125%
HK$48,608
baseline
▲ 0.50% · 4.625%
HK$51,170
+HK$2,562/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$97,216/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,733 · Scale 2, in force from 26 Feb 2026)