LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,703
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,440
−HK$750/mo
Today · 4.125%
HK$25,190
baseline
▲ 0.50% · 4.625%
HK$26,722
+HK$1,532/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,380/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,369
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,077
−HK$717/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$389,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,444
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,329
−HK$898/mo
Today · 4.125%
HK$30,227
baseline
▲ 0.50% · 4.625%
HK$32,067
+HK$1,840/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$389,811 · 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$389,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,184
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,217
−HK$1,048/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$389,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,917
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,907
−HK$1,005/mo
Today · 4.125%
HK$38,912
baseline
▲ 0.50% · 4.625%
HK$40,963
+HK$2,051/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,824/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,666
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,993
−HK$1,348/mo
Today · 4.125%
HK$45,341
baseline
▲ 0.50% · 4.625%
HK$48,100
+HK$2,759/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$389,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,465
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,738
−HK$1,291/mo
Today · 4.125%
HK$50,029
baseline
▲ 0.50% · 4.625%
HK$52,667
+HK$2,638/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$389,811 · Scale 2, in force from 26 Feb 2026)