LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,623
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,296
−HK$683/mo
Today · 4.125%
HK$22,979
baseline
▲ 0.50% · 4.625%
HK$24,377
+HK$1,398/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,958/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,056
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,701
−HK$654/mo
Today · 4.125%
HK$25,355
baseline
▲ 0.50% · 4.625%
HK$26,692
+HK$1,337/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,710/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,948
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,755
−HK$820/mo
Today · 4.125%
HK$27,575
baseline
▲ 0.50% · 4.625%
HK$29,253
+HK$1,678/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,150/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,867
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,641
−HK$785/mo
Today · 4.125%
HK$30,426
baseline
▲ 0.50% · 4.625%
HK$32,030
+HK$1,604/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,852/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,272
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,214
−HK$957/mo
Today · 4.125%
HK$32,171
baseline
▲ 0.50% · 4.625%
HK$34,128
+HK$1,957/mo
Deposit HK$2.84M · loan HK$6.64M · min. income ≈ HK$64,342/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,678
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,581
−HK$916/mo
Today · 4.125%
HK$35,497
baseline
▲ 0.50% · 4.625%
HK$37,368
+HK$1,871/mo
Deposit HK$2.84M · loan HK$6.64M · min. income ≈ HK$70,994/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,922
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,132
−HK$1,230/mo
Today · 4.125%
HK$41,362
baseline
▲ 0.50% · 4.625%
HK$43,879
+HK$2,517/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$82,724/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,300
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,461
−HK$1,178/mo
Today · 4.125%
HK$45,639
baseline
▲ 0.50% · 4.625%
HK$48,045
+HK$2,406/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$91,278/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,279 · Scale 2, in force from 26 Feb 2026)