LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,666
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,340
−HK$684/mo
Today · 4.125%
HK$23,024
baseline
▲ 0.50% · 4.625%
HK$24,425
+HK$1,401/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,048/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,103
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,749
−HK$656/mo
Today · 4.125%
HK$25,405
baseline
▲ 0.50% · 4.625%
HK$26,744
+HK$1,339/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,810/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,999
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,807
−HK$822/mo
Today · 4.125%
HK$27,629
baseline
▲ 0.50% · 4.625%
HK$29,310
+HK$1,681/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,258/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,923
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,699
−HK$787/mo
Today · 4.125%
HK$30,486
baseline
▲ 0.50% · 4.625%
HK$32,093
+HK$1,607/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,972/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,332
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,275
−HK$959/mo
Today · 4.125%
HK$32,234
baseline
▲ 0.50% · 4.625%
HK$34,195
+HK$1,961/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,468/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,744
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,649
−HK$918/mo
Today · 4.125%
HK$35,567
baseline
▲ 0.50% · 4.625%
HK$37,442
+HK$1,875/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,134/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,998
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,211
−HK$1,233/mo
Today · 4.125%
HK$41,444
baseline
▲ 0.50% · 4.625%
HK$43,965
+HK$2,521/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$82,888/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,385
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,549
−HK$1,180/mo
Today · 4.125%
HK$45,729
baseline
▲ 0.50% · 4.625%
HK$48,139
+HK$2,410/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$91,458/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,141 · Scale 2, in force from 26 Feb 2026)