LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,619
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,292
−HK$683/mo
Today · 4.125%
HK$22,975
baseline
▲ 0.50% · 4.625%
HK$24,373
+HK$1,398/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,950/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,051
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,696
−HK$654/mo
Today · 4.125%
HK$25,350
baseline
▲ 0.50% · 4.625%
HK$26,687
+HK$1,337/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,700/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,943
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,750
−HK$820/mo
Today · 4.125%
HK$27,570
baseline
▲ 0.50% · 4.625%
HK$29,247
+HK$1,677/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,140/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,861
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,635
−HK$786/mo
Today · 4.125%
HK$30,421
baseline
▲ 0.50% · 4.625%
HK$32,024
+HK$1,603/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,842/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,267
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,208
−HK$957/mo
Today · 4.125%
HK$32,165
baseline
▲ 0.50% · 4.625%
HK$34,122
+HK$1,957/mo
Deposit HK$2.84M · loan HK$6.64M · min. income ≈ HK$64,330/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,672
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,575
−HK$916/mo
Today · 4.125%
HK$35,491
baseline
▲ 0.50% · 4.625%
HK$37,361
+HK$1,870/mo
Deposit HK$2.84M · loan HK$6.64M · min. income ≈ HK$70,982/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,914
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,125
−HK$1,230/mo
Today · 4.125%
HK$41,355
baseline
▲ 0.50% · 4.625%
HK$43,871
+HK$2,516/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$82,710/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,292
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,453
−HK$1,178/mo
Today · 4.125%
HK$45,631
baseline
▲ 0.50% · 4.625%
HK$48,036
+HK$2,405/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$91,262/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,102 · Scale 2, in force from 26 Feb 2026)