LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,601
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,273
−HK$683/mo
Today · 4.125%
HK$22,956
baseline
▲ 0.50% · 4.625%
HK$24,353
+HK$1,397/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,912/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$317,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,031
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,676
−HK$654/mo
Today · 4.125%
HK$25,330
baseline
▲ 0.50% · 4.625%
HK$26,665
+HK$1,335/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,660/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$317,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,922
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,728
−HK$819/mo
Today · 4.125%
HK$27,547
baseline
▲ 0.50% · 4.625%
HK$29,223
+HK$1,676/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$55,094/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,838
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,611
−HK$785/mo
Today · 4.125%
HK$30,396
baseline
▲ 0.50% · 4.625%
HK$31,998
+HK$1,602/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$60,792/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,242
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,183
−HK$955/mo
Today · 4.125%
HK$32,138
baseline
▲ 0.50% · 4.625%
HK$34,094
+HK$1,956/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$64,276/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,644
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,546
−HK$915/mo
Today · 4.125%
HK$35,461
baseline
▲ 0.50% · 4.625%
HK$37,331
+HK$1,870/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$70,922/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,882
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,092
−HK$1,229/mo
Today · 4.125%
HK$41,321
baseline
▲ 0.50% · 4.625%
HK$43,835
+HK$2,514/mo
Deposit HK$947K · loan HK$8.53M · min. income ≈ HK$82,642/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$317,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,256
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,416
−HK$1,177/mo
Today · 4.125%
HK$45,593
baseline
▲ 0.50% · 4.625%
HK$47,997
+HK$2,404/mo
Deposit HK$947K · loan HK$8.53M · min. income ≈ HK$91,186/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$317,321 · Scale 2, in force from 26 Feb 2026)