LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,385
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,050
−HK$676/mo
Today · 4.125%
HK$22,726
baseline
▲ 0.50% · 4.625%
HK$24,108
+HK$1,382/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,452/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$307,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,790
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,428
−HK$647/mo
Today · 4.125%
HK$25,075
baseline
▲ 0.50% · 4.625%
HK$26,397
+HK$1,322/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,150/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$307,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,661
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,460
−HK$811/mo
Today · 4.125%
HK$27,271
baseline
▲ 0.50% · 4.625%
HK$28,930
+HK$1,659/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$54,542/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,548
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,314
−HK$776/mo
Today · 4.125%
HK$30,090
baseline
▲ 0.50% · 4.625%
HK$31,677
+HK$1,587/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$60,180/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,938
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,870
−HK$946/mo
Today · 4.125%
HK$31,816
baseline
▲ 0.50% · 4.625%
HK$33,752
+HK$1,936/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$63,632/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,306
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,199
−HK$907/mo
Today · 4.125%
HK$35,106
baseline
▲ 0.50% · 4.625%
HK$36,956
+HK$1,850/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$70,212/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,492
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,689
−HK$1,217/mo
Today · 4.125%
HK$40,906
baseline
▲ 0.50% · 4.625%
HK$43,395
+HK$2,489/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$81,812/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$307,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,822
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,971
−HK$1,165/mo
Today · 4.125%
HK$45,136
baseline
▲ 0.50% · 4.625%
HK$47,515
+HK$2,379/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$90,272/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$307,813 · Scale 2, in force from 26 Feb 2026)