LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,684
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,358
−HK$686/mo
Today · 4.125%
HK$23,044
baseline
▲ 0.50% · 4.625%
HK$24,446
+HK$1,402/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,088/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$320,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,123
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,770
−HK$656/mo
Today · 4.125%
HK$25,426
baseline
▲ 0.50% · 4.625%
HK$26,766
+HK$1,340/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,852/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$320,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,020
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,830
−HK$822/mo
Today · 4.125%
HK$27,652
baseline
▲ 0.50% · 4.625%
HK$29,335
+HK$1,683/mo
Deposit HK$3.80M · loan HK$5.71M · min. income ≈ HK$55,304/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,948
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,724
−HK$787/mo
Today · 4.125%
HK$30,511
baseline
▲ 0.50% · 4.625%
HK$32,120
+HK$1,609/mo
Deposit HK$3.80M · loan HK$5.71M · min. income ≈ HK$61,022/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,357
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,302
−HK$959/mo
Today · 4.125%
HK$32,261
baseline
▲ 0.50% · 4.625%
HK$34,224
+HK$1,963/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$64,522/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,772
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,678
−HK$919/mo
Today · 4.125%
HK$35,597
baseline
▲ 0.50% · 4.625%
HK$37,473
+HK$1,876/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$71,194/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,031
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,245
−HK$1,233/mo
Today · 4.125%
HK$41,478
baseline
▲ 0.50% · 4.625%
HK$44,002
+HK$2,524/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$82,956/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,421
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,586
−HK$1,181/mo
Today · 4.125%
HK$45,767
baseline
▲ 0.50% · 4.625%
HK$48,180
+HK$2,413/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$91,534/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,935 · Scale 2, in force from 26 Feb 2026)