LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,479
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,148
−HK$678/mo
Today · 4.125%
HK$22,826
baseline
▲ 0.50% · 4.625%
HK$24,215
+HK$1,389/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,652/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,896
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,537
−HK$650/mo
Today · 4.125%
HK$25,187
baseline
▲ 0.50% · 4.625%
HK$26,514
+HK$1,327/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,374/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,775
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,577
−HK$815/mo
Today · 4.125%
HK$27,392
baseline
▲ 0.50% · 4.625%
HK$29,058
+HK$1,666/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$54,784/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,675
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,444
−HK$780/mo
Today · 4.125%
HK$30,224
baseline
▲ 0.50% · 4.625%
HK$31,817
+HK$1,593/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$60,448/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,071
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,007
−HK$950/mo
Today · 4.125%
HK$31,957
baseline
▲ 0.50% · 4.625%
HK$33,902
+HK$1,945/mo
Deposit HK$2.83M · loan HK$6.59M · min. income ≈ HK$63,914/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,454
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,351
−HK$910/mo
Today · 4.125%
HK$35,261
baseline
▲ 0.50% · 4.625%
HK$37,120
+HK$1,859/mo
Deposit HK$2.83M · loan HK$6.59M · min. income ≈ HK$70,522/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,663
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,866
−HK$1,222/mo
Today · 4.125%
HK$41,088
baseline
▲ 0.50% · 4.625%
HK$43,588
+HK$2,500/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$82,176/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,012
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,166
−HK$1,170/mo
Today · 4.125%
HK$45,336
baseline
▲ 0.50% · 4.625%
HK$47,726
+HK$2,390/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$90,672/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,977 · Scale 2, in force from 26 Feb 2026)