LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,446
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,113
−HK$678/mo
Today · 4.125%
HK$22,791
baseline
▲ 0.50% · 4.625%
HK$24,177
+HK$1,386/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,582/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,858
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,498
−HK$649/mo
Today · 4.125%
HK$25,147
baseline
▲ 0.50% · 4.625%
HK$26,473
+HK$1,326/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,294/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,735
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,535
−HK$814/mo
Today · 4.125%
HK$27,349
baseline
▲ 0.50% · 4.625%
HK$29,013
+HK$1,664/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,698/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,630
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,398
−HK$779/mo
Today · 4.125%
HK$30,177
baseline
▲ 0.50% · 4.625%
HK$31,767
+HK$1,590/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,354/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,024
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,958
−HK$949/mo
Today · 4.125%
HK$31,907
baseline
▲ 0.50% · 4.625%
HK$33,848
+HK$1,941/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$63,814/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,401
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,297
−HK$909/mo
Today · 4.125%
HK$35,206
baseline
▲ 0.50% · 4.625%
HK$37,062
+HK$1,856/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$70,412/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,602
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,803
−HK$1,220/mo
Today · 4.125%
HK$41,023
baseline
▲ 0.50% · 4.625%
HK$43,519
+HK$2,496/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$82,046/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,945
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$44,096
−HK$1,169/mo
Today · 4.125%
HK$45,265
baseline
▲ 0.50% · 4.625%
HK$47,651
+HK$2,386/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$90,530/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,496 · Scale 2, in force from 26 Feb 2026)