LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,616
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,289
−HK$683/mo
Today · 4.125%
HK$22,972
baseline
▲ 0.50% · 4.625%
HK$24,370
+HK$1,398/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,944/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$317,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,048
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,693
−HK$654/mo
Today · 4.125%
HK$25,347
baseline
▲ 0.50% · 4.625%
HK$26,683
+HK$1,336/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,694/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$317,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,940
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,747
−HK$819/mo
Today · 4.125%
HK$27,566
baseline
▲ 0.50% · 4.625%
HK$29,244
+HK$1,678/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,132/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,858
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,632
−HK$785/mo
Today · 4.125%
HK$30,417
baseline
▲ 0.50% · 4.625%
HK$32,020
+HK$1,603/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,834/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,263
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,204
−HK$957/mo
Today · 4.125%
HK$32,161
baseline
▲ 0.50% · 4.625%
HK$34,118
+HK$1,957/mo
Deposit HK$2.84M · loan HK$6.64M · min. income ≈ HK$64,322/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,667
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,570
−HK$916/mo
Today · 4.125%
HK$35,486
baseline
▲ 0.50% · 4.625%
HK$37,357
+HK$1,871/mo
Deposit HK$2.84M · loan HK$6.64M · min. income ≈ HK$70,972/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,910
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,120
−HK$1,230/mo
Today · 4.125%
HK$41,350
baseline
▲ 0.50% · 4.625%
HK$43,866
+HK$2,516/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$82,700/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$317,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,287
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,448
−HK$1,177/mo
Today · 4.125%
HK$45,625
baseline
▲ 0.50% · 4.625%
HK$48,030
+HK$2,405/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$91,250/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$317,985 · Scale 2, in force from 26 Feb 2026)