LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,035
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,751
−HK$728/mo
Today · 4.125%
HK$24,479
baseline
▲ 0.50% · 4.625%
HK$25,968
+HK$1,489/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,958/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,626
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,313
−HK$697/mo
Today · 4.125%
HK$27,010
baseline
▲ 0.50% · 4.625%
HK$28,434
+HK$1,424/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$54,020/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,641
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,501
−HK$874/mo
Today · 4.125%
HK$29,375
baseline
▲ 0.50% · 4.625%
HK$31,162
+HK$1,787/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,750/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,751
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,576
−HK$836/mo
Today · 4.125%
HK$32,412
baseline
▲ 0.50% · 4.625%
HK$34,121
+HK$1,709/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,824/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,248
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,251
−HK$1,020/mo
Today · 4.125%
HK$34,271
baseline
▲ 0.50% · 4.625%
HK$36,356
+HK$2,085/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,542/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,876
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,838
−HK$976/mo
Today · 4.125%
HK$37,814
baseline
▲ 0.50% · 4.625%
HK$39,807
+HK$1,993/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,628/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,462
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,752
−HK$1,310/mo
Today · 4.125%
HK$44,062
baseline
▲ 0.50% · 4.625%
HK$46,743
+HK$2,681/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$88,124/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,126
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,363
−HK$1,255/mo
Today · 4.125%
HK$48,618
baseline
▲ 0.50% · 4.625%
HK$51,181
+HK$2,563/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$97,236/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,815 · Scale 2, in force from 26 Feb 2026)