LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,044
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,760
−HK$729/mo
Today · 4.125%
HK$24,489
baseline
▲ 0.50% · 4.625%
HK$25,979
+HK$1,490/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,978/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,636
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,323
−HK$698/mo
Today · 4.125%
HK$27,021
baseline
▲ 0.50% · 4.625%
HK$28,445
+HK$1,424/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$54,042/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,652
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,512
−HK$874/mo
Today · 4.125%
HK$29,386
baseline
▲ 0.50% · 4.625%
HK$31,174
+HK$1,788/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,772/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,763
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,588
−HK$837/mo
Today · 4.125%
HK$32,425
baseline
▲ 0.50% · 4.625%
HK$34,134
+HK$1,709/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,850/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,261
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,264
−HK$1,020/mo
Today · 4.125%
HK$34,284
baseline
▲ 0.50% · 4.625%
HK$36,370
+HK$2,086/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,568/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,890
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,853
−HK$976/mo
Today · 4.125%
HK$37,829
baseline
▲ 0.50% · 4.625%
HK$39,823
+HK$1,994/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,658/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,478
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$42,769
−HK$1,310/mo
Today · 4.125%
HK$44,079
baseline
▲ 0.50% · 4.625%
HK$46,762
+HK$2,683/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$88,158/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,144
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,382
−HK$1,255/mo
Today · 4.125%
HK$48,637
baseline
▲ 0.50% · 4.625%
HK$51,201
+HK$2,564/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$97,274/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,963 · Scale 2, in force from 26 Feb 2026)