LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,467
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,135
−HK$678/mo
Today · 4.125%
HK$22,813
baseline
▲ 0.50% · 4.625%
HK$24,201
+HK$1,388/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,626/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,882
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,522
−HK$650/mo
Today · 4.125%
HK$25,172
baseline
▲ 0.50% · 4.625%
HK$26,499
+HK$1,327/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,344/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,760
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,562
−HK$814/mo
Today · 4.125%
HK$27,376
baseline
▲ 0.50% · 4.625%
HK$29,041
+HK$1,665/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$54,752/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,658
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,427
−HK$779/mo
Today · 4.125%
HK$30,206
baseline
▲ 0.50% · 4.625%
HK$31,799
+HK$1,593/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$60,412/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,054
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,989
−HK$949/mo
Today · 4.125%
HK$31,938
baseline
▲ 0.50% · 4.625%
HK$33,882
+HK$1,944/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$63,876/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,434
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,331
−HK$910/mo
Today · 4.125%
HK$35,241
baseline
▲ 0.50% · 4.625%
HK$37,098
+HK$1,857/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$70,482/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,641
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,842
−HK$1,222/mo
Today · 4.125%
HK$41,064
baseline
▲ 0.50% · 4.625%
HK$43,562
+HK$2,498/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$82,128/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,987
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,140
−HK$1,170/mo
Today · 4.125%
HK$45,310
baseline
▲ 0.50% · 4.625%
HK$47,698
+HK$2,388/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$90,620/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,428 · Scale 2, in force from 26 Feb 2026)