LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,039
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,756
−HK$728/mo
Today · 4.125%
HK$24,484
baseline
▲ 0.50% · 4.625%
HK$25,974
+HK$1,490/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,968/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,631
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,318
−HK$698/mo
Today · 4.125%
HK$27,016
baseline
▲ 0.50% · 4.625%
HK$28,440
+HK$1,424/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$54,032/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,647
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,507
−HK$874/mo
Today · 4.125%
HK$29,381
baseline
▲ 0.50% · 4.625%
HK$31,169
+HK$1,788/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,762/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,757
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,582
−HK$837/mo
Today · 4.125%
HK$32,419
baseline
▲ 0.50% · 4.625%
HK$34,128
+HK$1,709/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,838/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,255
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,258
−HK$1,020/mo
Today · 4.125%
HK$34,278
baseline
▲ 0.50% · 4.625%
HK$36,363
+HK$2,085/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,556/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,883
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,846
−HK$976/mo
Today · 4.125%
HK$37,822
baseline
▲ 0.50% · 4.625%
HK$39,816
+HK$1,994/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,644/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,471
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,761
−HK$1,310/mo
Today · 4.125%
HK$44,071
baseline
▲ 0.50% · 4.625%
HK$46,753
+HK$2,682/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$88,142/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,136
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,373
−HK$1,255/mo
Today · 4.125%
HK$48,628
baseline
▲ 0.50% · 4.625%
HK$51,191
+HK$2,563/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$97,256/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,892 · Scale 2, in force from 26 Feb 2026)