LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,713
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,451
−HK$749/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$389,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,380
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,088
−HK$718/mo
Today · 4.125%
HK$27,806
baseline
▲ 0.50% · 4.625%
HK$29,271
+HK$1,465/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,612/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,456
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,341
−HK$899/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$389,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,657
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,506
−HK$861/mo
Today · 4.125%
HK$33,367
baseline
▲ 0.50% · 4.625%
HK$35,126
+HK$1,759/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,734/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,198
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,231
−HK$1,049/mo
Today · 4.125%
HK$35,280
baseline
▲ 0.50% · 4.625%
HK$37,427
+HK$2,147/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$389,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,933
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,923
−HK$1,005/mo
Today · 4.125%
HK$38,928
baseline
▲ 0.50% · 4.625%
HK$40,980
+HK$2,052/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$389,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,683
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,011
−HK$1,349/mo
Today · 4.125%
HK$45,360
baseline
▲ 0.50% · 4.625%
HK$48,120
+HK$2,760/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$90,720/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,485
−HK$2,565/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$389,973 · Scale 2, in force from 26 Feb 2026)