LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,713
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,450
−HK$750/mo
Today · 4.125%
HK$25,200
baseline
▲ 0.50% · 4.625%
HK$26,733
+HK$1,533/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,400/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,380
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,088
−HK$717/mo
Today · 4.125%
HK$27,805
baseline
▲ 0.50% · 4.625%
HK$29,271
+HK$1,466/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,610/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,455
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,340
−HK$900/mo
Today · 4.125%
HK$30,240
baseline
▲ 0.50% · 4.625%
HK$32,080
+HK$1,840/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,480/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,656
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,505
−HK$861/mo
Today · 4.125%
HK$33,366
baseline
▲ 0.50% · 4.625%
HK$35,125
+HK$1,759/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,732/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,198
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,230
−HK$1,050/mo
Today · 4.125%
HK$35,280
baseline
▲ 0.50% · 4.625%
HK$37,426
+HK$2,146/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,560/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,932
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,923
−HK$1,005/mo
Today · 4.125%
HK$38,928
baseline
▲ 0.50% · 4.625%
HK$40,979
+HK$2,051/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,856/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,683
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$44,011
−HK$1,348/mo
Today · 4.125%
HK$45,359
baseline
▲ 0.50% · 4.625%
HK$48,119
+HK$2,760/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$90,718/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,484
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,758
−HK$1,292/mo
Today · 4.125%
HK$50,050
baseline
▲ 0.50% · 4.625%
HK$52,688
+HK$2,638/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$100,100/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,968 · Scale 2, in force from 26 Feb 2026)