LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,431
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,098
−HK$677/mo
Today · 4.125%
HK$22,775
baseline
▲ 0.50% · 4.625%
HK$24,161
+HK$1,386/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,550/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,842
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,482
−HK$648/mo
Today · 4.125%
HK$25,130
baseline
▲ 0.50% · 4.625%
HK$26,455
+HK$1,325/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,260/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,718
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,518
−HK$812/mo
Today · 4.125%
HK$27,330
baseline
▲ 0.50% · 4.625%
HK$28,993
+HK$1,663/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,660/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,611
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,378
−HK$778/mo
Today · 4.125%
HK$30,156
baseline
▲ 0.50% · 4.625%
HK$31,746
+HK$1,590/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,312/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,004
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,937
−HK$948/mo
Today · 4.125%
HK$31,885
baseline
▲ 0.50% · 4.625%
HK$33,826
+HK$1,941/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$63,770/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,379
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,274
−HK$908/mo
Today · 4.125%
HK$35,182
baseline
▲ 0.50% · 4.625%
HK$37,037
+HK$1,855/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$70,364/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,577
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,776
−HK$1,220/mo
Today · 4.125%
HK$40,996
baseline
▲ 0.50% · 4.625%
HK$43,490
+HK$2,494/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$81,992/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,916
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,067
−HK$1,168/mo
Today · 4.125%
HK$45,235
baseline
▲ 0.50% · 4.625%
HK$47,619
+HK$2,384/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$90,470/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,869 · Scale 2, in force from 26 Feb 2026)