LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,641
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,314
−HK$684/mo
Today · 4.125%
HK$22,998
baseline
▲ 0.50% · 4.625%
HK$24,397
+HK$1,399/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$45,996/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$319,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,075
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,721
−HK$655/mo
Today · 4.125%
HK$25,376
baseline
▲ 0.50% · 4.625%
HK$26,714
+HK$1,338/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,752/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$319,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,969
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,777
−HK$821/mo
Today · 4.125%
HK$27,598
baseline
▲ 0.50% · 4.625%
HK$29,277
+HK$1,679/mo
Deposit HK$3.80M · loan HK$5.69M · min. income ≈ HK$55,196/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,890
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,665
−HK$786/mo
Today · 4.125%
HK$30,451
baseline
▲ 0.50% · 4.625%
HK$32,056
+HK$1,605/mo
Deposit HK$3.80M · loan HK$5.69M · min. income ≈ HK$60,902/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,297
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,240
−HK$957/mo
Today · 4.125%
HK$32,197
baseline
▲ 0.50% · 4.625%
HK$34,156
+HK$1,959/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$64,394/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,706
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,609
−HK$918/mo
Today · 4.125%
HK$35,527
baseline
▲ 0.50% · 4.625%
HK$37,399
+HK$1,872/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$71,054/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,954
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,165
−HK$1,232/mo
Today · 4.125%
HK$41,397
baseline
▲ 0.50% · 4.625%
HK$43,915
+HK$2,518/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$82,794/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,336
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,498
−HK$1,179/mo
Today · 4.125%
HK$45,677
baseline
▲ 0.50% · 4.625%
HK$48,085
+HK$2,408/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$91,354/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,060 · Scale 2, in force from 26 Feb 2026)