LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,655
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,329
−HK$684/mo
Today · 4.125%
HK$23,013
baseline
▲ 0.50% · 4.625%
HK$24,414
+HK$1,401/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,026/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,091
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,738
−HK$655/mo
Today · 4.125%
HK$25,393
baseline
▲ 0.50% · 4.625%
HK$26,731
+HK$1,338/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,786/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,986
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,795
−HK$821/mo
Today · 4.125%
HK$27,616
baseline
▲ 0.50% · 4.625%
HK$29,296
+HK$1,680/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,232/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,910
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,685
−HK$787/mo
Today · 4.125%
HK$30,472
baseline
▲ 0.50% · 4.625%
HK$32,078
+HK$1,606/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,944/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,318
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,261
−HK$958/mo
Today · 4.125%
HK$32,219
baseline
▲ 0.50% · 4.625%
HK$34,179
+HK$1,960/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,438/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,728
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,633
−HK$917/mo
Today · 4.125%
HK$35,550
baseline
▲ 0.50% · 4.625%
HK$37,424
+HK$1,874/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,100/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,980
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,192
−HK$1,232/mo
Today · 4.125%
HK$41,424
baseline
▲ 0.50% · 4.625%
HK$43,945
+HK$2,521/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$82,848/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,365
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,528
−HK$1,179/mo
Today · 4.125%
HK$45,707
baseline
▲ 0.50% · 4.625%
HK$48,117
+HK$2,410/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$91,414/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,691 · Scale 2, in force from 26 Feb 2026)