LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,662
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,336
−HK$685/mo
Today · 4.125%
HK$23,021
baseline
▲ 0.50% · 4.625%
HK$24,421
+HK$1,400/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,042/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,099
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,745
−HK$656/mo
Today · 4.125%
HK$25,401
baseline
▲ 0.50% · 4.625%
HK$26,740
+HK$1,339/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,802/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,995
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,803
−HK$822/mo
Today · 4.125%
HK$27,625
baseline
▲ 0.50% · 4.625%
HK$29,306
+HK$1,681/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,250/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,919
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,694
−HK$787/mo
Today · 4.125%
HK$30,481
baseline
▲ 0.50% · 4.625%
HK$32,088
+HK$1,607/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,962/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,327
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,271
−HK$958/mo
Today · 4.125%
HK$32,229
baseline
▲ 0.50% · 4.625%
HK$34,190
+HK$1,961/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,458/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,739
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,644
−HK$917/mo
Today · 4.125%
HK$35,561
baseline
▲ 0.50% · 4.625%
HK$37,436
+HK$1,875/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,122/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,992
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,205
−HK$1,232/mo
Today · 4.125%
HK$41,437
baseline
▲ 0.50% · 4.625%
HK$43,959
+HK$2,522/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$82,874/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,378
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,542
−HK$1,180/mo
Today · 4.125%
HK$45,722
baseline
▲ 0.50% · 4.625%
HK$48,132
+HK$2,410/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$91,444/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,993 · Scale 2, in force from 26 Feb 2026)