LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,721
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,459
−HK$750/mo
Today · 4.125%
HK$25,209
baseline
▲ 0.50% · 4.625%
HK$26,743
+HK$1,534/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,418/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,390
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,097
−HK$718/mo
Today · 4.125%
HK$27,815
baseline
▲ 0.50% · 4.625%
HK$29,282
+HK$1,467/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,630/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,465
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,351
−HK$900/mo
Today · 4.125%
HK$30,251
baseline
▲ 0.50% · 4.625%
HK$32,091
+HK$1,840/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,502/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,668
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,517
−HK$861/mo
Today · 4.125%
HK$33,378
baseline
▲ 0.50% · 4.625%
HK$35,138
+HK$1,760/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,756/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,210
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,243
−HK$1,049/mo
Today · 4.125%
HK$35,292
baseline
▲ 0.50% · 4.625%
HK$37,440
+HK$2,148/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,584/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,945
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,936
−HK$1,006/mo
Today · 4.125%
HK$38,942
baseline
▲ 0.50% · 4.625%
HK$40,994
+HK$2,052/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,884/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,698
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$44,026
−HK$1,350/mo
Today · 4.125%
HK$45,376
baseline
▲ 0.50% · 4.625%
HK$48,137
+HK$2,761/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$90,752/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,501
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,775
−HK$1,293/mo
Today · 4.125%
HK$50,068
baseline
▲ 0.50% · 4.625%
HK$52,707
+HK$2,639/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$100,136/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,109 · Scale 2, in force from 26 Feb 2026)