LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,665
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,339
−HK$684/mo
Today · 4.125%
HK$23,023
baseline
▲ 0.50% · 4.625%
HK$24,424
+HK$1,401/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,046/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,102
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,748
−HK$656/mo
Today · 4.125%
HK$25,404
baseline
▲ 0.50% · 4.625%
HK$26,743
+HK$1,339/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,808/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,998
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,806
−HK$822/mo
Today · 4.125%
HK$27,628
baseline
▲ 0.50% · 4.625%
HK$29,309
+HK$1,681/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,256/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,922
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,698
−HK$787/mo
Today · 4.125%
HK$30,485
baseline
▲ 0.50% · 4.625%
HK$32,092
+HK$1,607/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,970/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,331
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,274
−HK$959/mo
Today · 4.125%
HK$32,233
baseline
▲ 0.50% · 4.625%
HK$34,194
+HK$1,961/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,466/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,742
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,647
−HK$918/mo
Today · 4.125%
HK$35,565
baseline
▲ 0.50% · 4.625%
HK$37,440
+HK$1,875/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,130/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,996
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,210
−HK$1,232/mo
Today · 4.125%
HK$41,442
baseline
▲ 0.50% · 4.625%
HK$43,964
+HK$2,522/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$82,884/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,383
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,547
−HK$1,180/mo
Today · 4.125%
HK$45,727
baseline
▲ 0.50% · 4.625%
HK$48,137
+HK$2,410/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$91,454/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,100 · Scale 2, in force from 26 Feb 2026)