LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,615
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,288
−HK$683/mo
Today · 4.125%
HK$22,971
baseline
▲ 0.50% · 4.625%
HK$24,369
+HK$1,398/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,942/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$317,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,047
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,692
−HK$654/mo
Today · 4.125%
HK$25,346
baseline
▲ 0.50% · 4.625%
HK$26,682
+HK$1,336/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,692/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$317,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,938
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,745
−HK$820/mo
Today · 4.125%
HK$27,565
baseline
▲ 0.50% · 4.625%
HK$29,242
+HK$1,677/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,130/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,856
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,630
−HK$785/mo
Today · 4.125%
HK$30,415
baseline
▲ 0.50% · 4.625%
HK$32,019
+HK$1,604/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,830/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,262
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,203
−HK$956/mo
Today · 4.125%
HK$32,159
baseline
▲ 0.50% · 4.625%
HK$34,116
+HK$1,957/mo
Deposit HK$2.84M · loan HK$6.64M · min. income ≈ HK$64,318/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,666
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,569
−HK$915/mo
Today · 4.125%
HK$35,484
baseline
▲ 0.50% · 4.625%
HK$37,355
+HK$1,871/mo
Deposit HK$2.84M · loan HK$6.64M · min. income ≈ HK$70,968/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,908
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,118
−HK$1,230/mo
Today · 4.125%
HK$41,348
baseline
▲ 0.50% · 4.625%
HK$43,863
+HK$2,515/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$82,696/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$317,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,284
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,445
−HK$1,178/mo
Today · 4.125%
HK$45,623
baseline
▲ 0.50% · 4.625%
HK$48,028
+HK$2,405/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$91,246/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$317,937 · Scale 2, in force from 26 Feb 2026)