LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,657
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,330
−HK$685/mo
Today · 4.125%
HK$23,015
baseline
▲ 0.50% · 4.625%
HK$24,415
+HK$1,400/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,030/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,093
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,739
−HK$655/mo
Today · 4.125%
HK$25,394
baseline
▲ 0.50% · 4.625%
HK$26,733
+HK$1,339/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,788/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,988
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,796
−HK$822/mo
Today · 4.125%
HK$27,618
baseline
▲ 0.50% · 4.625%
HK$29,298
+HK$1,680/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,236/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,911
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,687
−HK$786/mo
Today · 4.125%
HK$30,473
baseline
▲ 0.50% · 4.625%
HK$32,080
+HK$1,607/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,946/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,319
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,262
−HK$959/mo
Today · 4.125%
HK$32,221
baseline
▲ 0.50% · 4.625%
HK$34,181
+HK$1,960/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,442/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,730
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,634
−HK$918/mo
Today · 4.125%
HK$35,552
baseline
▲ 0.50% · 4.625%
HK$37,426
+HK$1,874/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,104/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,982
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,194
−HK$1,232/mo
Today · 4.125%
HK$41,426
baseline
▲ 0.50% · 4.625%
HK$43,947
+HK$2,521/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$82,852/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,367
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,530
−HK$1,180/mo
Today · 4.125%
HK$45,710
baseline
▲ 0.50% · 4.625%
HK$48,119
+HK$2,409/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$91,420/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,744 · Scale 2, in force from 26 Feb 2026)