LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,673
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,347
−HK$685/mo
Today · 4.125%
HK$23,032
baseline
▲ 0.50% · 4.625%
HK$24,433
+HK$1,401/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,064/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,111
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,757
−HK$656/mo
Today · 4.125%
HK$25,413
baseline
▲ 0.50% · 4.625%
HK$26,753
+HK$1,340/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,826/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,007
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,816
−HK$822/mo
Today · 4.125%
HK$27,638
baseline
▲ 0.50% · 4.625%
HK$29,320
+HK$1,682/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,276/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,933
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,709
−HK$787/mo
Today · 4.125%
HK$30,496
baseline
▲ 0.50% · 4.625%
HK$32,103
+HK$1,607/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,992/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,342
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,285
−HK$959/mo
Today · 4.125%
HK$32,244
baseline
▲ 0.50% · 4.625%
HK$34,206
+HK$1,962/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,488/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,755
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,660
−HK$918/mo
Today · 4.125%
HK$35,578
baseline
▲ 0.50% · 4.625%
HK$37,454
+HK$1,876/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,156/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,011
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,224
−HK$1,233/mo
Today · 4.125%
HK$41,457
baseline
▲ 0.50% · 4.625%
HK$43,980
+HK$2,523/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$82,914/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,399
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,563
−HK$1,181/mo
Today · 4.125%
HK$45,744
baseline
▲ 0.50% · 4.625%
HK$48,155
+HK$2,411/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$91,488/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,446 · Scale 2, in force from 26 Feb 2026)