LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,421
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,087
−HK$677/mo
Today · 4.125%
HK$22,764
baseline
▲ 0.50% · 4.625%
HK$24,149
+HK$1,385/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,528/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,830
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,469
−HK$649/mo
Today · 4.125%
HK$25,118
baseline
▲ 0.50% · 4.625%
HK$26,442
+HK$1,324/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,236/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,705
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,504
−HK$813/mo
Today · 4.125%
HK$27,317
baseline
▲ 0.50% · 4.625%
HK$28,979
+HK$1,662/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,634/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,596
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,363
−HK$778/mo
Today · 4.125%
HK$30,141
baseline
▲ 0.50% · 4.625%
HK$31,730
+HK$1,589/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,282/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,989
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,922
−HK$947/mo
Today · 4.125%
HK$31,869
baseline
▲ 0.50% · 4.625%
HK$33,809
+HK$1,940/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$63,738/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,362
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,257
−HK$908/mo
Today · 4.125%
HK$35,165
baseline
▲ 0.50% · 4.625%
HK$37,018
+HK$1,853/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$70,330/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,557
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$39,757
−HK$1,218/mo
Today · 4.125%
HK$40,975
baseline
▲ 0.50% · 4.625%
HK$43,468
+HK$2,493/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$81,950/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,894
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,045
−HK$1,167/mo
Today · 4.125%
HK$45,212
baseline
▲ 0.50% · 4.625%
HK$47,595
+HK$2,383/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$90,424/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,397 · Scale 2, in force from 26 Feb 2026)