LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,627
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,299
−HK$684/mo
Today · 4.125%
HK$22,983
baseline
▲ 0.50% · 4.625%
HK$24,381
+HK$1,398/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,966/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,060
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,705
−HK$654/mo
Today · 4.125%
HK$25,359
baseline
▲ 0.50% · 4.625%
HK$26,696
+HK$1,337/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,718/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,952
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,759
−HK$821/mo
Today · 4.125%
HK$27,580
baseline
▲ 0.50% · 4.625%
HK$29,258
+HK$1,678/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,160/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,871
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,646
−HK$785/mo
Today · 4.125%
HK$30,431
baseline
▲ 0.50% · 4.625%
HK$32,035
+HK$1,604/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,862/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,277
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,219
−HK$957/mo
Today · 4.125%
HK$32,176
baseline
▲ 0.50% · 4.625%
HK$34,134
+HK$1,958/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$64,352/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,683
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,587
−HK$916/mo
Today · 4.125%
HK$35,503
baseline
▲ 0.50% · 4.625%
HK$37,375
+HK$1,872/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$71,006/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,928
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,139
−HK$1,230/mo
Today · 4.125%
HK$41,369
baseline
▲ 0.50% · 4.625%
HK$43,887
+HK$2,518/mo
Deposit HK$948K · loan HK$8.54M · min. income ≈ HK$82,738/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,307
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,469
−HK$1,178/mo
Today · 4.125%
HK$45,647
baseline
▲ 0.50% · 4.625%
HK$48,053
+HK$2,406/mo
Deposit HK$948K · loan HK$8.54M · min. income ≈ HK$91,294/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,435 · Scale 2, in force from 26 Feb 2026)