LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,708
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,446
−HK$749/mo
Today · 4.125%
HK$25,195
baseline
▲ 0.50% · 4.625%
HK$26,728
+HK$1,533/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,390/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,375
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,082
−HK$718/mo
Today · 4.125%
HK$27,800
baseline
▲ 0.50% · 4.625%
HK$29,265
+HK$1,465/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,600/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,450
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,335
−HK$899/mo
Today · 4.125%
HK$30,234
baseline
▲ 0.50% · 4.625%
HK$32,073
+HK$1,839/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,468/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,650
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,499
−HK$861/mo
Today · 4.125%
HK$33,360
baseline
▲ 0.50% · 4.625%
HK$35,118
+HK$1,758/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,720/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,191
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,224
−HK$1,049/mo
Today · 4.125%
HK$35,273
baseline
▲ 0.50% · 4.625%
HK$37,419
+HK$2,146/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,546/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,925
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,915
−HK$1,005/mo
Today · 4.125%
HK$38,920
baseline
▲ 0.50% · 4.625%
HK$40,972
+HK$2,052/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,840/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,675
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$44,002
−HK$1,349/mo
Today · 4.125%
HK$45,351
baseline
▲ 0.50% · 4.625%
HK$48,110
+HK$2,759/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$90,702/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,475
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,748
−HK$1,292/mo
Today · 4.125%
HK$50,040
baseline
▲ 0.50% · 4.625%
HK$52,678
+HK$2,638/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$100,080/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,893 · Scale 2, in force from 26 Feb 2026)