LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,599
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,271
−HK$683/mo
Today · 4.125%
HK$22,954
baseline
▲ 0.50% · 4.625%
HK$24,351
+HK$1,397/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,908/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$317,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,029
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,674
−HK$653/mo
Today · 4.125%
HK$25,327
baseline
▲ 0.50% · 4.625%
HK$26,662
+HK$1,335/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,654/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$317,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,919
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,726
−HK$819/mo
Today · 4.125%
HK$27,545
baseline
▲ 0.50% · 4.625%
HK$29,221
+HK$1,676/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$55,090/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,835
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,608
−HK$785/mo
Today · 4.125%
HK$30,393
baseline
▲ 0.50% · 4.625%
HK$31,995
+HK$1,602/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$60,786/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,239
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,180
−HK$955/mo
Today · 4.125%
HK$32,135
baseline
▲ 0.50% · 4.625%
HK$34,091
+HK$1,956/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$64,270/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,641
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,543
−HK$915/mo
Today · 4.125%
HK$35,458
baseline
▲ 0.50% · 4.625%
HK$37,327
+HK$1,869/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$70,916/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,879
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$40,088
−HK$1,229/mo
Today · 4.125%
HK$41,317
baseline
▲ 0.50% · 4.625%
HK$43,831
+HK$2,514/mo
Deposit HK$947K · loan HK$8.53M · min. income ≈ HK$82,634/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$317,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,252
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,412
−HK$1,177/mo
Today · 4.125%
HK$45,589
baseline
▲ 0.50% · 4.625%
HK$47,992
+HK$2,403/mo
Deposit HK$947K · loan HK$8.53M · min. income ≈ HK$91,178/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$317,236 · Scale 2, in force from 26 Feb 2026)