LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,618
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,291
−HK$683/mo
Today · 4.125%
HK$22,974
baseline
▲ 0.50% · 4.625%
HK$24,372
+HK$1,398/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,948/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,050
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,695
−HK$654/mo
Today · 4.125%
HK$25,349
baseline
▲ 0.50% · 4.625%
HK$26,685
+HK$1,336/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,698/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,942
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,749
−HK$820/mo
Today · 4.125%
HK$27,569
baseline
▲ 0.50% · 4.625%
HK$29,246
+HK$1,677/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,138/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,860
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,634
−HK$785/mo
Today · 4.125%
HK$30,419
baseline
▲ 0.50% · 4.625%
HK$32,023
+HK$1,604/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,838/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,265
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,207
−HK$956/mo
Today · 4.125%
HK$32,163
baseline
▲ 0.50% · 4.625%
HK$34,120
+HK$1,957/mo
Deposit HK$2.84M · loan HK$6.64M · min. income ≈ HK$64,326/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,670
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,573
−HK$916/mo
Today · 4.125%
HK$35,489
baseline
▲ 0.50% · 4.625%
HK$37,360
+HK$1,871/mo
Deposit HK$2.84M · loan HK$6.64M · min. income ≈ HK$70,978/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,913
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,123
−HK$1,230/mo
Today · 4.125%
HK$41,353
baseline
▲ 0.50% · 4.625%
HK$43,869
+HK$2,516/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$82,706/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,290
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,451
−HK$1,178/mo
Today · 4.125%
HK$45,629
baseline
▲ 0.50% · 4.625%
HK$48,034
+HK$2,405/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$91,258/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,057 · Scale 2, in force from 26 Feb 2026)