LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,555
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,226
−HK$681/mo
Today · 4.125%
HK$22,907
baseline
▲ 0.50% · 4.625%
HK$24,301
+HK$1,394/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,814/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,980
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,623
−HK$652/mo
Today · 4.125%
HK$25,275
baseline
▲ 0.50% · 4.625%
HK$26,608
+HK$1,333/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,550/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,866
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,671
−HK$817/mo
Today · 4.125%
HK$27,488
baseline
▲ 0.50% · 4.625%
HK$29,161
+HK$1,673/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,976/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,776
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,547
−HK$783/mo
Today · 4.125%
HK$30,330
baseline
▲ 0.50% · 4.625%
HK$31,929
+HK$1,599/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,660/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,177
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,116
−HK$953/mo
Today · 4.125%
HK$32,069
baseline
▲ 0.50% · 4.625%
HK$34,021
+HK$1,952/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$64,138/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,572
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,472
−HK$913/mo
Today · 4.125%
HK$35,385
baseline
▲ 0.50% · 4.625%
HK$37,251
+HK$1,866/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,770/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,799
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$40,006
−HK$1,226/mo
Today · 4.125%
HK$41,232
baseline
▲ 0.50% · 4.625%
HK$43,741
+HK$2,509/mo
Deposit HK$945K · loan HK$8.51M · min. income ≈ HK$82,464/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,164
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,321
−HK$1,175/mo
Today · 4.125%
HK$45,496
baseline
▲ 0.50% · 4.625%
HK$47,894
+HK$2,398/mo
Deposit HK$945K · loan HK$8.51M · min. income ≈ HK$90,992/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,291 · Scale 2, in force from 26 Feb 2026)