LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,628
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,301
−HK$684/mo
Today · 4.125%
HK$22,985
baseline
▲ 0.50% · 4.625%
HK$24,383
+HK$1,398/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,970/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,061
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,707
−HK$654/mo
Today · 4.125%
HK$25,361
baseline
▲ 0.50% · 4.625%
HK$26,698
+HK$1,337/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$318,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,954
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,761
−HK$821/mo
Today · 4.125%
HK$27,582
baseline
▲ 0.50% · 4.625%
HK$29,260
+HK$1,678/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,164/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,874
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,648
−HK$786/mo
Today · 4.125%
HK$30,434
baseline
▲ 0.50% · 4.625%
HK$32,038
+HK$1,604/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,868/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,280
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,222
−HK$957/mo
Today · 4.125%
HK$32,179
baseline
▲ 0.50% · 4.625%
HK$34,137
+HK$1,958/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$64,358/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,686
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,589
−HK$917/mo
Today · 4.125%
HK$35,506
baseline
▲ 0.50% · 4.625%
HK$37,377
+HK$1,871/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$71,012/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,931
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,142
−HK$1,230/mo
Today · 4.125%
HK$41,372
baseline
▲ 0.50% · 4.625%
HK$43,890
+HK$2,518/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$82,744/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,311
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,472
−HK$1,178/mo
Today · 4.125%
HK$45,650
baseline
▲ 0.50% · 4.625%
HK$48,057
+HK$2,407/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$91,300/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,509 · Scale 2, in force from 26 Feb 2026)