LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,733
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,472
−HK$750/mo
Today · 4.125%
HK$25,222
baseline
▲ 0.50% · 4.625%
HK$26,756
+HK$1,534/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,444/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,403
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,111
−HK$718/mo
Today · 4.125%
HK$27,829
baseline
▲ 0.50% · 4.625%
HK$29,296
+HK$1,467/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,658/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,480
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,366
−HK$900/mo
Today · 4.125%
HK$30,266
baseline
▲ 0.50% · 4.625%
HK$32,107
+HK$1,841/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,532/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,684
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,533
−HK$862/mo
Today · 4.125%
HK$33,395
baseline
▲ 0.50% · 4.625%
HK$35,156
+HK$1,761/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,790/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,227
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,260
−HK$1,050/mo
Today · 4.125%
HK$35,310
baseline
▲ 0.50% · 4.625%
HK$37,459
+HK$2,149/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$70,620/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,964
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,956
−HK$1,005/mo
Today · 4.125%
HK$38,961
baseline
▲ 0.50% · 4.625%
HK$41,015
+HK$2,054/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$77,922/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,720
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$44,049
−HK$1,350/mo
Today · 4.125%
HK$45,399
baseline
▲ 0.50% · 4.625%
HK$48,161
+HK$2,762/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,798/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,525
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,800
−HK$1,293/mo
Today · 4.125%
HK$50,093
baseline
▲ 0.50% · 4.625%
HK$52,734
+HK$2,641/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$100,186/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,306 · Scale 2, in force from 26 Feb 2026)