LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,460
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,127
−HK$678/mo
Today · 4.125%
HK$22,805
baseline
▲ 0.50% · 4.625%
HK$24,193
+HK$1,388/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,610/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,874
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,514
−HK$650/mo
Today · 4.125%
HK$25,164
baseline
▲ 0.50% · 4.625%
HK$26,490
+HK$1,326/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,328/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,752
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,553
−HK$813/mo
Today · 4.125%
HK$27,366
baseline
▲ 0.50% · 4.625%
HK$29,032
+HK$1,666/mo
Deposit HK$3.76M · loan HK$5.65M · min. income ≈ HK$54,732/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,648
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,417
−HK$779/mo
Today · 4.125%
HK$30,196
baseline
▲ 0.50% · 4.625%
HK$31,788
+HK$1,592/mo
Deposit HK$3.76M · loan HK$5.65M · min. income ≈ HK$60,392/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,044
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,978
−HK$950/mo
Today · 4.125%
HK$31,928
baseline
▲ 0.50% · 4.625%
HK$33,870
+HK$1,942/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$63,856/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$311,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,423
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,320
−HK$909/mo
Today · 4.125%
HK$35,229
baseline
▲ 0.50% · 4.625%
HK$37,086
+HK$1,857/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$70,458/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$311,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,627
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,829
−HK$1,221/mo
Today · 4.125%
HK$41,050
baseline
▲ 0.50% · 4.625%
HK$43,547
+HK$2,497/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$82,100/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,973
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,125
−HK$1,169/mo
Today · 4.125%
HK$45,294
baseline
▲ 0.50% · 4.625%
HK$47,682
+HK$2,388/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$90,588/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,109 · Scale 2, in force from 26 Feb 2026)