LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,651
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,324
−HK$684/mo
Today · 4.125%
HK$23,008
baseline
▲ 0.50% · 4.625%
HK$24,408
+HK$1,400/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,016/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,086
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,732
−HK$655/mo
Today · 4.125%
HK$25,387
baseline
▲ 0.50% · 4.625%
HK$26,725
+HK$1,338/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,774/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,981
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,789
−HK$821/mo
Today · 4.125%
HK$27,610
baseline
▲ 0.50% · 4.625%
HK$29,290
+HK$1,680/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,220/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,903
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,678
−HK$787/mo
Today · 4.125%
HK$30,465
baseline
▲ 0.50% · 4.625%
HK$32,071
+HK$1,606/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,930/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,311
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,254
−HK$957/mo
Today · 4.125%
HK$32,211
baseline
▲ 0.50% · 4.625%
HK$34,171
+HK$1,960/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,422/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,720
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,625
−HK$917/mo
Today · 4.125%
HK$35,542
baseline
▲ 0.50% · 4.625%
HK$37,416
+HK$1,874/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,084/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,971
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,183
−HK$1,232/mo
Today · 4.125%
HK$41,415
baseline
▲ 0.50% · 4.625%
HK$43,935
+HK$2,520/mo
Deposit HK$949K · loan HK$8.55M · min. income ≈ HK$82,830/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,355
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,518
−HK$1,179/mo
Today · 4.125%
HK$45,697
baseline
▲ 0.50% · 4.625%
HK$48,106
+HK$2,409/mo
Deposit HK$949K · loan HK$8.55M · min. income ≈ HK$91,394/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,478 · Scale 2, in force from 26 Feb 2026)