LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,045
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,762
−HK$728/mo
Today · 4.125%
HK$24,490
baseline
▲ 0.50% · 4.625%
HK$25,981
+HK$1,491/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,980/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,638
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,325
−HK$698/mo
Today · 4.125%
HK$27,023
baseline
▲ 0.50% · 4.625%
HK$28,447
+HK$1,424/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$54,046/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,654
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,514
−HK$874/mo
Today · 4.125%
HK$29,388
baseline
▲ 0.50% · 4.625%
HK$31,177
+HK$1,789/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,776/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,765
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,590
−HK$837/mo
Today · 4.125%
HK$32,427
baseline
▲ 0.50% · 4.625%
HK$34,137
+HK$1,710/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,854/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,263
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,267
−HK$1,020/mo
Today · 4.125%
HK$34,287
baseline
▲ 0.50% · 4.625%
HK$36,373
+HK$2,086/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,574/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,893
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,855
−HK$977/mo
Today · 4.125%
HK$37,832
baseline
▲ 0.50% · 4.625%
HK$39,826
+HK$1,994/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,664/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,481
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$42,772
−HK$1,311/mo
Today · 4.125%
HK$44,083
baseline
▲ 0.50% · 4.625%
HK$46,765
+HK$2,682/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$88,166/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,148
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,385
−HK$1,256/mo
Today · 4.125%
HK$48,641
baseline
▲ 0.50% · 4.625%
HK$51,205
+HK$2,564/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$97,282/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,991 · Scale 2, in force from 26 Feb 2026)