LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,728
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,466
−HK$750/mo
Today · 4.125%
HK$25,216
baseline
▲ 0.50% · 4.625%
HK$26,750
+HK$1,534/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,432/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,397
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,105
−HK$718/mo
Today · 4.125%
HK$27,823
baseline
▲ 0.50% · 4.625%
HK$29,290
+HK$1,467/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,646/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,473
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,359
−HK$900/mo
Today · 4.125%
HK$30,259
baseline
▲ 0.50% · 4.625%
HK$32,100
+HK$1,841/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,518/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,676
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,526
−HK$862/mo
Today · 4.125%
HK$33,388
baseline
▲ 0.50% · 4.625%
HK$35,147
+HK$1,759/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,776/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,219
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,252
−HK$1,050/mo
Today · 4.125%
HK$35,302
baseline
▲ 0.50% · 4.625%
HK$37,450
+HK$2,148/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,604/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,956
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,947
−HK$1,005/mo
Today · 4.125%
HK$38,952
baseline
▲ 0.50% · 4.625%
HK$41,005
+HK$2,053/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,904/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,710
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$44,038
−HK$1,350/mo
Today · 4.125%
HK$45,388
baseline
▲ 0.50% · 4.625%
HK$48,150
+HK$2,762/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,776/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,514
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,789
−HK$1,292/mo
Today · 4.125%
HK$50,081
baseline
▲ 0.50% · 4.625%
HK$52,721
+HK$2,640/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$100,162/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,215 · Scale 2, in force from 26 Feb 2026)