LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,687
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,362
−HK$685/mo
Today · 4.125%
HK$23,047
baseline
▲ 0.50% · 4.625%
HK$24,450
+HK$1,403/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,094/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,127
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,774
−HK$657/mo
Today · 4.125%
HK$25,431
baseline
▲ 0.50% · 4.625%
HK$26,771
+HK$1,340/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,862/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,025
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,835
−HK$822/mo
Today · 4.125%
HK$27,657
baseline
▲ 0.50% · 4.625%
HK$29,340
+HK$1,683/mo
Deposit HK$3.80M · loan HK$5.71M · min. income ≈ HK$55,314/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,953
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,729
−HK$788/mo
Today · 4.125%
HK$30,517
baseline
▲ 0.50% · 4.625%
HK$32,125
+HK$1,608/mo
Deposit HK$3.80M · loan HK$5.71M · min. income ≈ HK$61,034/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,362
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,307
−HK$959/mo
Today · 4.125%
HK$32,266
baseline
▲ 0.50% · 4.625%
HK$34,230
+HK$1,964/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$64,532/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$321,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,778
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,684
−HK$919/mo
Today · 4.125%
HK$35,603
baseline
▲ 0.50% · 4.625%
HK$37,480
+HK$1,877/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$71,206/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$321,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,037
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$40,252
−HK$1,233/mo
Today · 4.125%
HK$41,485
baseline
▲ 0.50% · 4.625%
HK$44,010
+HK$2,525/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$82,970/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,429
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,594
−HK$1,181/mo
Today · 4.125%
HK$45,775
baseline
▲ 0.50% · 4.625%
HK$48,188
+HK$2,413/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$91,550/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,099 · Scale 2, in force from 26 Feb 2026)