LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,716
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,454
−HK$750/mo
Today · 4.125%
HK$25,204
baseline
▲ 0.50% · 4.625%
HK$26,737
+HK$1,533/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,408/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,384
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,092
−HK$718/mo
Today · 4.125%
HK$27,810
baseline
▲ 0.50% · 4.625%
HK$29,276
+HK$1,466/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,620/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,460
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,345
−HK$899/mo
Today · 4.125%
HK$30,244
baseline
▲ 0.50% · 4.625%
HK$32,085
+HK$1,841/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,488/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,661
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,510
−HK$862/mo
Today · 4.125%
HK$33,372
baseline
▲ 0.50% · 4.625%
HK$35,131
+HK$1,759/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,744/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,203
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,236
−HK$1,049/mo
Today · 4.125%
HK$35,285
baseline
▲ 0.50% · 4.625%
HK$37,432
+HK$2,147/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,570/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,938
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,929
−HK$1,005/mo
Today · 4.125%
HK$38,934
baseline
▲ 0.50% · 4.625%
HK$40,986
+HK$2,052/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,868/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,690
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,017
−HK$1,350/mo
Today · 4.125%
HK$45,367
baseline
▲ 0.50% · 4.625%
HK$48,127
+HK$2,760/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$90,734/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,492
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,765
−HK$1,292/mo
Today · 4.125%
HK$50,057
baseline
▲ 0.50% · 4.625%
HK$52,696
+HK$2,639/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$100,114/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,029 · Scale 2, in force from 26 Feb 2026)