LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,655
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,328
−HK$684/mo
Today · 4.125%
HK$23,012
baseline
▲ 0.50% · 4.625%
HK$24,413
+HK$1,401/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,024/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,090
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,737
−HK$655/mo
Today · 4.125%
HK$25,392
baseline
▲ 0.50% · 4.625%
HK$26,730
+HK$1,338/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,784/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,985
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,794
−HK$821/mo
Today · 4.125%
HK$27,615
baseline
▲ 0.50% · 4.625%
HK$29,295
+HK$1,680/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,230/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,909
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,684
−HK$786/mo
Today · 4.125%
HK$30,470
baseline
▲ 0.50% · 4.625%
HK$32,077
+HK$1,607/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,940/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,316
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,259
−HK$958/mo
Today · 4.125%
HK$32,217
baseline
▲ 0.50% · 4.625%
HK$34,178
+HK$1,961/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,434/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,727
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,631
−HK$918/mo
Today · 4.125%
HK$35,549
baseline
▲ 0.50% · 4.625%
HK$37,423
+HK$1,874/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,098/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,978
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,191
−HK$1,231/mo
Today · 4.125%
HK$41,422
baseline
▲ 0.50% · 4.625%
HK$43,943
+HK$2,521/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$82,844/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,363
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,526
−HK$1,180/mo
Today · 4.125%
HK$45,706
baseline
▲ 0.50% · 4.625%
HK$48,115
+HK$2,409/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$91,412/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,653 · Scale 2, in force from 26 Feb 2026)