LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,465
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,133
−HK$679/mo
Today · 4.125%
HK$22,812
baseline
▲ 0.50% · 4.625%
HK$24,200
+HK$1,388/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,624/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,880
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,521
−HK$649/mo
Today · 4.125%
HK$25,170
baseline
▲ 0.50% · 4.625%
HK$26,497
+HK$1,327/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,340/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,759
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,560
−HK$814/mo
Today · 4.125%
HK$27,374
baseline
▲ 0.50% · 4.625%
HK$29,040
+HK$1,666/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$54,748/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,656
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,425
−HK$779/mo
Today · 4.125%
HK$30,204
baseline
▲ 0.50% · 4.625%
HK$31,796
+HK$1,592/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$60,408/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,052
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,986
−HK$950/mo
Today · 4.125%
HK$31,936
baseline
▲ 0.50% · 4.625%
HK$33,879
+HK$1,943/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$63,872/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,432
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,329
−HK$909/mo
Today · 4.125%
HK$35,238
baseline
▲ 0.50% · 4.625%
HK$37,096
+HK$1,858/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$70,476/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,638
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,840
−HK$1,221/mo
Today · 4.125%
HK$41,061
baseline
▲ 0.50% · 4.625%
HK$43,559
+HK$2,498/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$82,122/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,984
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,137
−HK$1,170/mo
Today · 4.125%
HK$45,307
baseline
▲ 0.50% · 4.625%
HK$47,695
+HK$2,388/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$90,614/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,363 · Scale 2, in force from 26 Feb 2026)