LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,434
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,100
−HK$678/mo
Today · 4.125%
HK$22,778
baseline
▲ 0.50% · 4.625%
HK$24,164
+HK$1,386/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,556/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,845
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,484
−HK$649/mo
Today · 4.125%
HK$25,133
baseline
▲ 0.50% · 4.625%
HK$26,458
+HK$1,325/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,266/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,720
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,521
−HK$812/mo
Today · 4.125%
HK$27,333
baseline
▲ 0.50% · 4.625%
HK$28,997
+HK$1,664/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,666/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,614
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,381
−HK$779/mo
Today · 4.125%
HK$30,160
baseline
▲ 0.50% · 4.625%
HK$31,749
+HK$1,589/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,320/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,007
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,941
−HK$948/mo
Today · 4.125%
HK$31,889
baseline
▲ 0.50% · 4.625%
HK$33,829
+HK$1,940/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$63,778/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,383
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,278
−HK$908/mo
Today · 4.125%
HK$35,186
baseline
▲ 0.50% · 4.625%
HK$37,041
+HK$1,855/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$70,372/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,581
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,781
−HK$1,219/mo
Today · 4.125%
HK$41,000
baseline
▲ 0.50% · 4.625%
HK$43,495
+HK$2,495/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$82,000/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,921
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,072
−HK$1,168/mo
Today · 4.125%
HK$45,240
baseline
▲ 0.50% · 4.625%
HK$47,624
+HK$2,384/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$90,480/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,971 · Scale 2, in force from 26 Feb 2026)