LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,670
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,344
−HK$685/mo
Today · 4.125%
HK$23,029
baseline
▲ 0.50% · 4.625%
HK$24,430
+HK$1,401/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,058/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,108
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,755
−HK$655/mo
Today · 4.125%
HK$25,410
baseline
▲ 0.50% · 4.625%
HK$26,750
+HK$1,340/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,820/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,004
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,813
−HK$822/mo
Today · 4.125%
HK$27,635
baseline
▲ 0.50% · 4.625%
HK$29,317
+HK$1,682/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,270/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,930
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,705
−HK$788/mo
Today · 4.125%
HK$30,493
baseline
▲ 0.50% · 4.625%
HK$32,100
+HK$1,607/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,986/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,338
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,282
−HK$959/mo
Today · 4.125%
HK$32,241
baseline
▲ 0.50% · 4.625%
HK$34,203
+HK$1,962/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,482/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,751
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,656
−HK$919/mo
Today · 4.125%
HK$35,575
baseline
▲ 0.50% · 4.625%
HK$37,450
+HK$1,875/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,150/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,007
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,220
−HK$1,233/mo
Today · 4.125%
HK$41,453
baseline
▲ 0.50% · 4.625%
HK$43,975
+HK$2,522/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$82,906/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,394
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,558
−HK$1,181/mo
Today · 4.125%
HK$45,739
baseline
▲ 0.50% · 4.625%
HK$48,150
+HK$2,411/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$91,478/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,344 · Scale 2, in force from 26 Feb 2026)