LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,696
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,433
−HK$749/mo
Today · 4.125%
HK$25,182
baseline
▲ 0.50% · 4.625%
HK$26,714
+HK$1,532/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,364/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,361
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,068
−HK$717/mo
Today · 4.125%
HK$27,785
baseline
▲ 0.50% · 4.625%
HK$29,250
+HK$1,465/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,570/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,435
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,319
−HK$899/mo
Today · 4.125%
HK$30,218
baseline
▲ 0.50% · 4.625%
HK$32,057
+HK$1,839/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,436/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,633
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,482
−HK$861/mo
Today · 4.125%
HK$33,343
baseline
▲ 0.50% · 4.625%
HK$35,100
+HK$1,757/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,686/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,174
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,206
−HK$1,048/mo
Today · 4.125%
HK$35,254
baseline
▲ 0.50% · 4.625%
HK$37,399
+HK$2,145/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$70,508/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,906
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,895
−HK$1,005/mo
Today · 4.125%
HK$38,900
baseline
▲ 0.50% · 4.625%
HK$40,950
+HK$2,050/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$77,800/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,652
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,979
−HK$1,348/mo
Today · 4.125%
HK$45,327
baseline
▲ 0.50% · 4.625%
HK$48,085
+HK$2,758/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$90,654/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,450
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,723
−HK$1,291/mo
Today · 4.125%
HK$50,014
baseline
▲ 0.50% · 4.625%
HK$52,650
+HK$2,636/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$100,028/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,688 · Scale 2, in force from 26 Feb 2026)