LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,044
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,761
−HK$728/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$378,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,636
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,324
−HK$697/mo
Today · 4.125%
HK$27,021
baseline
▲ 0.50% · 4.625%
HK$28,446
+HK$1,425/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$378,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,653
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,513
−HK$874/mo
Today · 4.125%
HK$29,387
baseline
▲ 0.50% · 4.625%
HK$31,175
+HK$1,788/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,774/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,970 · 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$34,135
+HK$1,710/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$378,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,262
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,265
−HK$1,020/mo
Today · 4.125%
HK$34,285
baseline
▲ 0.50% · 4.625%
HK$36,371
+HK$2,086/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,570/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,891
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,853
−HK$977/mo
Today · 4.125%
HK$37,830
baseline
▲ 0.50% · 4.625%
HK$39,824
+HK$1,994/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,660/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,479
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$42,769
−HK$1,311/mo
Today · 4.125%
HK$44,080
baseline
▲ 0.50% · 4.625%
HK$46,762
+HK$2,682/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$88,160/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,145
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,383
−HK$1,255/mo
Today · 4.125%
HK$48,638
baseline
▲ 0.50% · 4.625%
HK$51,202
+HK$2,564/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$97,276/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,970 · Scale 2, in force from 26 Feb 2026)