LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,643
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,316
−HK$684/mo
Today · 4.125%
HK$23,000
baseline
▲ 0.50% · 4.625%
HK$24,399
+HK$1,399/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,000/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$319,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,077
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,723
−HK$655/mo
Today · 4.125%
HK$25,378
baseline
▲ 0.50% · 4.625%
HK$26,716
+HK$1,338/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,756/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$319,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,971
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,779
−HK$821/mo
Today · 4.125%
HK$27,600
baseline
▲ 0.50% · 4.625%
HK$29,279
+HK$1,679/mo
Deposit HK$3.80M · loan HK$5.69M · min. income ≈ HK$55,200/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,893
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,668
−HK$786/mo
Today · 4.125%
HK$30,454
baseline
▲ 0.50% · 4.625%
HK$32,059
+HK$1,605/mo
Deposit HK$3.80M · loan HK$5.69M · min. income ≈ HK$60,908/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,300
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,242
−HK$958/mo
Today · 4.125%
HK$32,200
baseline
▲ 0.50% · 4.625%
HK$34,159
+HK$1,959/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$64,400/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,708
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,612
−HK$917/mo
Today · 4.125%
HK$35,529
baseline
▲ 0.50% · 4.625%
HK$37,402
+HK$1,873/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$71,058/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,957
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,169
−HK$1,231/mo
Today · 4.125%
HK$41,400
baseline
▲ 0.50% · 4.625%
HK$43,919
+HK$2,519/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$82,800/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,339
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,502
−HK$1,179/mo
Today · 4.125%
HK$45,681
baseline
▲ 0.50% · 4.625%
HK$48,089
+HK$2,408/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$91,362/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,137 · Scale 2, in force from 26 Feb 2026)