LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,705
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,442
−HK$749/mo
Today · 4.125%
HK$25,191
baseline
▲ 0.50% · 4.625%
HK$26,724
+HK$1,533/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,382/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,371
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,079
−HK$717/mo
Today · 4.125%
HK$27,796
baseline
▲ 0.50% · 4.625%
HK$29,261
+HK$1,465/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,592/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,446
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,331
−HK$899/mo
Today · 4.125%
HK$30,230
baseline
▲ 0.50% · 4.625%
HK$32,069
+HK$1,839/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,460/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,646
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,494
−HK$861/mo
Today · 4.125%
HK$33,355
baseline
▲ 0.50% · 4.625%
HK$35,114
+HK$1,759/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,710/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,187
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,219
−HK$1,049/mo
Today · 4.125%
HK$35,268
baseline
▲ 0.50% · 4.625%
HK$37,414
+HK$2,146/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,536/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,920
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,910
−HK$1,005/mo
Today · 4.125%
HK$38,915
baseline
▲ 0.50% · 4.625%
HK$40,966
+HK$2,051/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,830/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,669
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,996
−HK$1,348/mo
Today · 4.125%
HK$45,344
baseline
▲ 0.50% · 4.625%
HK$48,104
+HK$2,760/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$90,688/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,469
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,742
−HK$1,291/mo
Today · 4.125%
HK$50,033
baseline
▲ 0.50% · 4.625%
HK$52,670
+HK$2,637/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$100,066/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,839 · Scale 2, in force from 26 Feb 2026)