LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,403
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,069
−HK$677/mo
Today · 4.125%
HK$22,746
baseline
▲ 0.50% · 4.625%
HK$24,130
+HK$1,384/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,492/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,811
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,450
−HK$648/mo
Today · 4.125%
HK$25,098
baseline
▲ 0.50% · 4.625%
HK$26,420
+HK$1,322/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,196/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,684
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,483
−HK$812/mo
Today · 4.125%
HK$27,295
baseline
▲ 0.50% · 4.625%
HK$28,956
+HK$1,661/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$54,590/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,573
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,340
−HK$777/mo
Today · 4.125%
HK$30,117
baseline
▲ 0.50% · 4.625%
HK$31,705
+HK$1,588/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$60,234/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,965
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,897
−HK$947/mo
Today · 4.125%
HK$31,844
baseline
▲ 0.50% · 4.625%
HK$33,781
+HK$1,937/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$63,688/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,336
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,230
−HK$907/mo
Today · 4.125%
HK$35,137
baseline
▲ 0.50% · 4.625%
HK$36,989
+HK$1,852/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$70,274/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,526
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,725
−HK$1,217/mo
Today · 4.125%
HK$40,942
baseline
▲ 0.50% · 4.625%
HK$43,433
+HK$2,491/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$81,884/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,860
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,009
−HK$1,167/mo
Today · 4.125%
HK$45,176
baseline
▲ 0.50% · 4.625%
HK$47,557
+HK$2,381/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$90,352/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,642 · Scale 2, in force from 26 Feb 2026)