LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,627
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,300
−HK$683/mo
Today · 4.125%
HK$22,983
baseline
▲ 0.50% · 4.625%
HK$24,382
+HK$1,399/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$318,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,060
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,705
−HK$655/mo
Today · 4.125%
HK$25,360
baseline
▲ 0.50% · 4.625%
HK$26,697
+HK$1,337/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,720/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,953
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,760
−HK$820/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$318,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,872
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,646
−HK$786/mo
Today · 4.125%
HK$30,432
baseline
▲ 0.50% · 4.625%
HK$32,036
+HK$1,604/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,864/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,278
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,220
−HK$957/mo
Today · 4.125%
HK$32,177
baseline
▲ 0.50% · 4.625%
HK$34,135
+HK$1,958/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$64,354/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,684
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,588
−HK$916/mo
Today · 4.125%
HK$35,504
baseline
▲ 0.50% · 4.625%
HK$37,375
+HK$1,871/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$71,008/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,929
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,140
−HK$1,230/mo
Today · 4.125%
HK$41,370
baseline
▲ 0.50% · 4.625%
HK$43,888
+HK$2,518/mo
Deposit HK$948K · loan HK$8.54M · min. income ≈ HK$82,740/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,308
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,470
−HK$1,178/mo
Today · 4.125%
HK$45,648
baseline
▲ 0.50% · 4.625%
HK$48,054
+HK$2,406/mo
Deposit HK$948K · loan HK$8.54M · min. income ≈ HK$91,296/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,458 · Scale 2, in force from 26 Feb 2026)