LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,710
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,448
−HK$749/mo
Today · 4.125%
HK$25,197
baseline
▲ 0.50% · 4.625%
HK$26,730
+HK$1,533/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,394/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,378
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,085
−HK$718/mo
Today · 4.125%
HK$27,803
baseline
▲ 0.50% · 4.625%
HK$29,268
+HK$1,465/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,606/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,453
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,338
−HK$899/mo
Today · 4.125%
HK$30,237
baseline
▲ 0.50% · 4.625%
HK$32,077
+HK$1,840/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,474/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,653
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,502
−HK$861/mo
Today · 4.125%
HK$33,363
baseline
▲ 0.50% · 4.625%
HK$35,122
+HK$1,759/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,726/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,195
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,227
−HK$1,049/mo
Today · 4.125%
HK$35,276
baseline
▲ 0.50% · 4.625%
HK$37,423
+HK$2,147/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,552/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,929
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,919
−HK$1,005/mo
Today · 4.125%
HK$38,924
baseline
▲ 0.50% · 4.625%
HK$40,976
+HK$2,052/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,848/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,679
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$44,006
−HK$1,349/mo
Today · 4.125%
HK$45,355
baseline
▲ 0.50% · 4.625%
HK$48,115
+HK$2,760/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$90,710/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,480
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,753
−HK$1,292/mo
Today · 4.125%
HK$50,045
baseline
▲ 0.50% · 4.625%
HK$52,683
+HK$2,638/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$100,090/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,931 · Scale 2, in force from 26 Feb 2026)