LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,031
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,748
−HK$727/mo
Today · 4.125%
HK$24,475
baseline
▲ 0.50% · 4.625%
HK$25,965
+HK$1,490/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,950/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,622
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,309
−HK$697/mo
Today · 4.125%
HK$27,006
baseline
▲ 0.50% · 4.625%
HK$28,430
+HK$1,424/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$54,012/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,637
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,497
−HK$874/mo
Today · 4.125%
HK$29,371
baseline
▲ 0.50% · 4.625%
HK$31,158
+HK$1,787/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,742/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,746
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,571
−HK$837/mo
Today · 4.125%
HK$32,408
baseline
▲ 0.50% · 4.625%
HK$34,116
+HK$1,708/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,816/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,244
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,247
−HK$1,019/mo
Today · 4.125%
HK$34,266
baseline
▲ 0.50% · 4.625%
HK$36,351
+HK$2,085/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,532/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,871
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,833
−HK$976/mo
Today · 4.125%
HK$37,809
baseline
▲ 0.50% · 4.625%
HK$39,802
+HK$1,993/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,618/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,456
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,746
−HK$1,310/mo
Today · 4.125%
HK$44,056
baseline
▲ 0.50% · 4.625%
HK$46,737
+HK$2,681/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$88,112/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,120
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,356
−HK$1,255/mo
Today · 4.125%
HK$48,611
baseline
▲ 0.50% · 4.625%
HK$51,174
+HK$2,563/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$97,222/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,760 · Scale 2, in force from 26 Feb 2026)