LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,711
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,448
−HK$750/mo
Today · 4.125%
HK$25,198
baseline
▲ 0.50% · 4.625%
HK$26,731
+HK$1,533/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,396/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,378
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,086
−HK$717/mo
Today · 4.125%
HK$27,803
baseline
▲ 0.50% · 4.625%
HK$29,269
+HK$1,466/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$389,938 · 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$389,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,654
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,503
−HK$861/mo
Today · 4.125%
HK$33,364
baseline
▲ 0.50% · 4.625%
HK$35,122
+HK$1,758/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,728/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,195
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,228
−HK$1,049/mo
Today · 4.125%
HK$35,277
baseline
▲ 0.50% · 4.625%
HK$37,423
+HK$2,146/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,554/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,929
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,920
−HK$1,004/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$389,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,680
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$44,007
−HK$1,349/mo
Today · 4.125%
HK$45,356
baseline
▲ 0.50% · 4.625%
HK$48,116
+HK$2,760/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$90,712/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,481
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,754
−HK$1,292/mo
Today · 4.125%
HK$50,046
baseline
▲ 0.50% · 4.625%
HK$52,684
+HK$2,638/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$100,092/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,938 · Scale 2, in force from 26 Feb 2026)