LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,629
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,302
−HK$684/mo
Today · 4.125%
HK$22,986
baseline
▲ 0.50% · 4.625%
HK$24,384
+HK$1,398/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,972/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,063
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,708
−HK$655/mo
Today · 4.125%
HK$25,363
baseline
▲ 0.50% · 4.625%
HK$26,699
+HK$1,336/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,726/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,955
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,763
−HK$820/mo
Today · 4.125%
HK$27,583
baseline
▲ 0.50% · 4.625%
HK$29,261
+HK$1,678/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,166/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,875
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,649
−HK$786/mo
Today · 4.125%
HK$30,435
baseline
▲ 0.50% · 4.625%
HK$32,039
+HK$1,604/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,870/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,281
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,223
−HK$957/mo
Today · 4.125%
HK$32,180
baseline
▲ 0.50% · 4.625%
HK$34,138
+HK$1,958/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$64,360/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,688
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,591
−HK$917/mo
Today · 4.125%
HK$35,508
baseline
▲ 0.50% · 4.625%
HK$37,379
+HK$1,871/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$71,016/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,933
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,144
−HK$1,230/mo
Today · 4.125%
HK$41,374
baseline
▲ 0.50% · 4.625%
HK$43,892
+HK$2,518/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$82,748/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,313
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,474
−HK$1,179/mo
Today · 4.125%
HK$45,653
baseline
▲ 0.50% · 4.625%
HK$48,059
+HK$2,406/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$91,306/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,555 · Scale 2, in force from 26 Feb 2026)