LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,691
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,366
−HK$685/mo
Today · 4.125%
HK$23,051
baseline
▲ 0.50% · 4.625%
HK$24,454
+HK$1,403/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,102/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,131
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,778
−HK$657/mo
Today · 4.125%
HK$25,435
baseline
▲ 0.50% · 4.625%
HK$26,776
+HK$1,341/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,870/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,029
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,839
−HK$823/mo
Today · 4.125%
HK$27,662
baseline
▲ 0.50% · 4.625%
HK$29,345
+HK$1,683/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,324/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,958
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,734
−HK$788/mo
Today · 4.125%
HK$30,522
baseline
▲ 0.50% · 4.625%
HK$32,131
+HK$1,609/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,044/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,368
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,312
−HK$960/mo
Today · 4.125%
HK$32,272
baseline
▲ 0.50% · 4.625%
HK$34,236
+HK$1,964/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$64,544/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,784
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,690
−HK$919/mo
Today · 4.125%
HK$35,609
baseline
▲ 0.50% · 4.625%
HK$37,486
+HK$1,877/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$71,218/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,044
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,259
−HK$1,234/mo
Today · 4.125%
HK$41,493
baseline
▲ 0.50% · 4.625%
HK$44,017
+HK$2,524/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$82,986/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,436
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,601
−HK$1,182/mo
Today · 4.125%
HK$45,783
baseline
▲ 0.50% · 4.625%
HK$48,196
+HK$2,413/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$91,566/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,264 · Scale 2, in force from 26 Feb 2026)