LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,730
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,468
−HK$750/mo
Today · 4.125%
HK$25,218
baseline
▲ 0.50% · 4.625%
HK$26,753
+HK$1,535/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,436/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,400
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,108
−HK$718/mo
Today · 4.125%
HK$27,826
baseline
▲ 0.50% · 4.625%
HK$29,293
+HK$1,467/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,652/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,476
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,362
−HK$900/mo
Today · 4.125%
HK$30,262
baseline
▲ 0.50% · 4.625%
HK$32,103
+HK$1,841/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,524/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,680
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,529
−HK$862/mo
Today · 4.125%
HK$33,391
baseline
▲ 0.50% · 4.625%
HK$35,151
+HK$1,760/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,782/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,222
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,256
−HK$1,050/mo
Today · 4.125%
HK$35,306
baseline
▲ 0.50% · 4.625%
HK$37,454
+HK$2,148/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,612/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,959
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,951
−HK$1,005/mo
Today · 4.125%
HK$38,956
baseline
▲ 0.50% · 4.625%
HK$41,010
+HK$2,054/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,912/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,714
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$44,043
−HK$1,350/mo
Today · 4.125%
HK$45,393
baseline
▲ 0.50% · 4.625%
HK$48,155
+HK$2,762/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,786/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,519
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,794
−HK$1,293/mo
Today · 4.125%
HK$50,087
baseline
▲ 0.50% · 4.625%
HK$52,727
+HK$2,640/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$100,174/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,256 · Scale 2, in force from 26 Feb 2026)