LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,628
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,300
−HK$684/mo
Today · 4.125%
HK$22,984
baseline
▲ 0.50% · 4.625%
HK$24,382
+HK$1,398/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,968/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,061
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,706
−HK$655/mo
Today · 4.125%
HK$25,361
baseline
▲ 0.50% · 4.625%
HK$26,697
+HK$1,336/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,722/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,953
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,761
−HK$820/mo
Today · 4.125%
HK$27,581
baseline
▲ 0.50% · 4.625%
HK$29,259
+HK$1,678/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,162/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,873
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,647
−HK$786/mo
Today · 4.125%
HK$30,433
baseline
▲ 0.50% · 4.625%
HK$32,037
+HK$1,604/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,866/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,279
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,221
−HK$957/mo
Today · 4.125%
HK$32,178
baseline
▲ 0.50% · 4.625%
HK$34,135
+HK$1,957/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$64,356/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,685
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,588
−HK$917/mo
Today · 4.125%
HK$35,505
baseline
▲ 0.50% · 4.625%
HK$37,376
+HK$1,871/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$71,010/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,930
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,141
−HK$1,230/mo
Today · 4.125%
HK$41,371
baseline
▲ 0.50% · 4.625%
HK$43,888
+HK$2,517/mo
Deposit HK$948K · loan HK$8.54M · min. income ≈ HK$82,742/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,309
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,471
−HK$1,178/mo
Today · 4.125%
HK$45,649
baseline
▲ 0.50% · 4.625%
HK$48,055
+HK$2,406/mo
Deposit HK$948K · loan HK$8.54M · min. income ≈ HK$91,298/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,478 · Scale 2, in force from 26 Feb 2026)