LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,703
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,440
−HK$749/mo
Today · 4.125%
HK$25,189
baseline
▲ 0.50% · 4.625%
HK$26,722
+HK$1,533/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,378/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,369
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,076
−HK$718/mo
Today · 4.125%
HK$27,794
baseline
▲ 0.50% · 4.625%
HK$29,259
+HK$1,465/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,588/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,443
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,328
−HK$899/mo
Today · 4.125%
HK$30,227
baseline
▲ 0.50% · 4.625%
HK$32,066
+HK$1,839/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,454/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,643
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,492
−HK$861/mo
Today · 4.125%
HK$33,353
baseline
▲ 0.50% · 4.625%
HK$35,111
+HK$1,758/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,706/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,184
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,216
−HK$1,049/mo
Today · 4.125%
HK$35,265
baseline
▲ 0.50% · 4.625%
HK$37,411
+HK$2,146/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,530/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,917
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,907
−HK$1,004/mo
Today · 4.125%
HK$38,911
baseline
▲ 0.50% · 4.625%
HK$40,962
+HK$2,051/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,822/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,665
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$43,992
−HK$1,349/mo
Today · 4.125%
HK$45,341
baseline
▲ 0.50% · 4.625%
HK$48,099
+HK$2,758/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$90,682/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,464
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,737
−HK$1,292/mo
Today · 4.125%
HK$50,029
baseline
▲ 0.50% · 4.625%
HK$52,666
+HK$2,637/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$100,058/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,806 · Scale 2, in force from 26 Feb 2026)