LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,695
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,370
−HK$685/mo
Today · 4.125%
HK$23,055
baseline
▲ 0.50% · 4.625%
HK$24,458
+HK$1,403/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,110/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,135
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,783
−HK$656/mo
Today · 4.125%
HK$25,439
baseline
▲ 0.50% · 4.625%
HK$26,780
+HK$1,341/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,878/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,034
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,844
−HK$822/mo
Today · 4.125%
HK$27,666
baseline
▲ 0.50% · 4.625%
HK$29,350
+HK$1,684/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,332/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,962
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,739
−HK$788/mo
Today · 4.125%
HK$30,527
baseline
▲ 0.50% · 4.625%
HK$32,136
+HK$1,609/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,054/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,373
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,318
−HK$959/mo
Today · 4.125%
HK$32,277
baseline
▲ 0.50% · 4.625%
HK$34,241
+HK$1,964/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$64,554/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,789
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,696
−HK$919/mo
Today · 4.125%
HK$35,615
baseline
▲ 0.50% · 4.625%
HK$37,492
+HK$1,877/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$71,230/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,051
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,265
−HK$1,235/mo
Today · 4.125%
HK$41,500
baseline
▲ 0.50% · 4.625%
HK$44,025
+HK$2,525/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$83,000/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,444
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,609
−HK$1,182/mo
Today · 4.125%
HK$45,791
baseline
▲ 0.50% · 4.625%
HK$48,204
+HK$2,413/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$91,582/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,423 · Scale 2, in force from 26 Feb 2026)