LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,441
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,108
−HK$677/mo
Today · 4.125%
HK$22,785
baseline
▲ 0.50% · 4.625%
HK$24,172
+HK$1,387/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,570/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,853
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,493
−HK$648/mo
Today · 4.125%
HK$25,141
baseline
▲ 0.50% · 4.625%
HK$26,467
+HK$1,326/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,282/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,729
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,529
−HK$814/mo
Today · 4.125%
HK$27,343
baseline
▲ 0.50% · 4.625%
HK$29,006
+HK$1,663/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,686/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,623
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,391
−HK$779/mo
Today · 4.125%
HK$30,170
baseline
▲ 0.50% · 4.625%
HK$31,760
+HK$1,590/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,340/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,017
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,951
−HK$949/mo
Today · 4.125%
HK$31,900
baseline
▲ 0.50% · 4.625%
HK$33,841
+HK$1,941/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$63,800/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,394
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$34,290
−HK$908/mo
Today · 4.125%
HK$35,198
baseline
▲ 0.50% · 4.625%
HK$37,053
+HK$1,855/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$70,396/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,594
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$39,794
−HK$1,220/mo
Today · 4.125%
HK$41,014
baseline
▲ 0.50% · 4.625%
HK$43,509
+HK$2,495/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$82,028/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,935
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$44,087
−HK$1,168/mo
Today · 4.125%
HK$45,255
baseline
▲ 0.50% · 4.625%
HK$47,640
+HK$2,385/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$90,510/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,285 · Scale 2, in force from 26 Feb 2026)