LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,711
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,449
−HK$749/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$389,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,378
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,086
−HK$718/mo
Today · 4.125%
HK$27,804
baseline
▲ 0.50% · 4.625%
HK$29,269
+HK$1,465/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,608/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,453
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,338
−HK$900/mo
Today · 4.125%
HK$30,238
baseline
▲ 0.50% · 4.625%
HK$32,078
+HK$1,840/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,476/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,943 · 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$35,123
+HK$1,759/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$389,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,196
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,228
−HK$1,049/mo
Today · 4.125%
HK$35,277
baseline
▲ 0.50% · 4.625%
HK$37,424
+HK$2,147/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$389,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,930
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,920
−HK$1,005/mo
Today · 4.125%
HK$38,925
baseline
▲ 0.50% · 4.625%
HK$40,977
+HK$2,052/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,850/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,680
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$44,008
−HK$1,348/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$389,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,481
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,755
−HK$1,291/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$389,943 · Scale 2, in force from 26 Feb 2026)