LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,724
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,462
−HK$749/mo
Today · 4.125%
HK$25,211
baseline
▲ 0.50% · 4.625%
HK$26,745
+HK$1,534/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,422/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,392
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,100
−HK$718/mo
Today · 4.125%
HK$27,818
baseline
▲ 0.50% · 4.625%
HK$29,284
+HK$1,466/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,636/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,468
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,354
−HK$900/mo
Today · 4.125%
HK$30,254
baseline
▲ 0.50% · 4.625%
HK$32,094
+HK$1,840/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,508/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,671
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,520
−HK$862/mo
Today · 4.125%
HK$33,382
baseline
▲ 0.50% · 4.625%
HK$35,141
+HK$1,759/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,764/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,213
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,246
−HK$1,050/mo
Today · 4.125%
HK$35,296
baseline
▲ 0.50% · 4.625%
HK$37,443
+HK$2,147/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,592/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,949
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,940
−HK$1,005/mo
Today · 4.125%
HK$38,945
baseline
▲ 0.50% · 4.625%
HK$40,998
+HK$2,053/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,890/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,702
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$44,031
−HK$1,349/mo
Today · 4.125%
HK$45,380
baseline
▲ 0.50% · 4.625%
HK$48,142
+HK$2,762/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$90,760/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,506
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,780
−HK$1,293/mo
Today · 4.125%
HK$50,073
baseline
▲ 0.50% · 4.625%
HK$52,712
+HK$2,639/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$100,146/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,147 · Scale 2, in force from 26 Feb 2026)