LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,552
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,223
−HK$681/mo
Today · 4.125%
HK$22,904
baseline
▲ 0.50% · 4.625%
HK$24,297
+HK$1,393/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,808/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,977
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,620
−HK$652/mo
Today · 4.125%
HK$25,272
baseline
▲ 0.50% · 4.625%
HK$26,604
+HK$1,332/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,544/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,863
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,667
−HK$817/mo
Today · 4.125%
HK$27,484
baseline
▲ 0.50% · 4.625%
HK$29,157
+HK$1,673/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,968/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,772
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,544
−HK$782/mo
Today · 4.125%
HK$30,326
baseline
▲ 0.50% · 4.625%
HK$31,925
+HK$1,599/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,652/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,173
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,112
−HK$953/mo
Today · 4.125%
HK$32,065
baseline
▲ 0.50% · 4.625%
HK$34,016
+HK$1,951/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$64,130/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,567
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,468
−HK$913/mo
Today · 4.125%
HK$35,381
baseline
▲ 0.50% · 4.625%
HK$37,246
+HK$1,865/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,762/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,794
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$40,001
−HK$1,226/mo
Today · 4.125%
HK$41,227
baseline
▲ 0.50% · 4.625%
HK$43,735
+HK$2,508/mo
Deposit HK$945K · loan HK$8.51M · min. income ≈ HK$82,454/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,158
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,315
−HK$1,175/mo
Today · 4.125%
HK$45,490
baseline
▲ 0.50% · 4.625%
HK$47,887
+HK$2,397/mo
Deposit HK$945K · loan HK$8.51M · min. income ≈ HK$90,980/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,167 · Scale 2, in force from 26 Feb 2026)