LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,700
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,438
−HK$749/mo
Today · 4.125%
HK$25,187
baseline
▲ 0.50% · 4.625%
HK$26,719
+HK$1,532/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,374/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,366
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,074
−HK$717/mo
Today · 4.125%
HK$27,791
baseline
▲ 0.50% · 4.625%
HK$29,256
+HK$1,465/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,582/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,440
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,325
−HK$899/mo
Today · 4.125%
HK$30,224
baseline
▲ 0.50% · 4.625%
HK$32,063
+HK$1,839/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,448/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,640
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,488
−HK$861/mo
Today · 4.125%
HK$33,349
baseline
▲ 0.50% · 4.625%
HK$35,107
+HK$1,758/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,698/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,181
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,213
−HK$1,048/mo
Today · 4.125%
HK$35,261
baseline
▲ 0.50% · 4.625%
HK$37,407
+HK$2,146/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,522/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,913
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,903
−HK$1,004/mo
Today · 4.125%
HK$38,907
baseline
▲ 0.50% · 4.625%
HK$40,958
+HK$2,051/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,814/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,661
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,988
−HK$1,348/mo
Today · 4.125%
HK$45,336
baseline
▲ 0.50% · 4.625%
HK$48,094
+HK$2,758/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$90,672/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,460
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,732
−HK$1,292/mo
Today · 4.125%
HK$50,024
baseline
▲ 0.50% · 4.625%
HK$52,660
+HK$2,636/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$100,048/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,765 · Scale 2, in force from 26 Feb 2026)