LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,700
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,375
−HK$685/mo
Today · 4.125%
HK$23,060
baseline
▲ 0.50% · 4.625%
HK$24,463
+HK$1,403/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,120/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,141
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,788
−HK$657/mo
Today · 4.125%
HK$25,445
baseline
▲ 0.50% · 4.625%
HK$26,786
+HK$1,341/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,890/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,039
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,849
−HK$823/mo
Today · 4.125%
HK$27,672
baseline
▲ 0.50% · 4.625%
HK$29,356
+HK$1,684/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,344/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,969
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,746
−HK$788/mo
Today · 4.125%
HK$30,534
baseline
▲ 0.50% · 4.625%
HK$32,143
+HK$1,609/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,068/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,379
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,324
−HK$960/mo
Today · 4.125%
HK$32,284
baseline
▲ 0.50% · 4.625%
HK$34,249
+HK$1,965/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$64,568/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,797
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,703
−HK$920/mo
Today · 4.125%
HK$35,623
baseline
▲ 0.50% · 4.625%
HK$37,500
+HK$1,877/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$71,246/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,059
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,274
−HK$1,235/mo
Today · 4.125%
HK$41,509
baseline
▲ 0.50% · 4.625%
HK$44,034
+HK$2,525/mo
Deposit HK$952K · loan HK$8.56M · min. income ≈ HK$83,018/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,453
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,618
−HK$1,183/mo
Today · 4.125%
HK$45,801
baseline
▲ 0.50% · 4.625%
HK$48,215
+HK$2,414/mo
Deposit HK$952K · loan HK$8.56M · min. income ≈ HK$91,602/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,629 · Scale 2, in force from 26 Feb 2026)