LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,700
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,375
−HK$686/mo
Today · 4.125%
HK$23,061
baseline
▲ 0.50% · 4.625%
HK$24,464
+HK$1,403/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,122/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,141
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,789
−HK$657/mo
Today · 4.125%
HK$25,446
baseline
▲ 0.50% · 4.625%
HK$26,787
+HK$1,341/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,892/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,040
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,850
−HK$823/mo
Today · 4.125%
HK$27,673
baseline
▲ 0.50% · 4.625%
HK$29,357
+HK$1,684/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,346/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,970
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,747
−HK$788/mo
Today · 4.125%
HK$30,535
baseline
▲ 0.50% · 4.625%
HK$32,144
+HK$1,609/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,070/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,380
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,325
−HK$961/mo
Today · 4.125%
HK$32,286
baseline
▲ 0.50% · 4.625%
HK$34,250
+HK$1,964/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$64,572/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,798
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,704
−HK$920/mo
Today · 4.125%
HK$35,624
baseline
▲ 0.50% · 4.625%
HK$37,502
+HK$1,878/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$71,248/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,061
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,276
−HK$1,234/mo
Today · 4.125%
HK$41,510
baseline
▲ 0.50% · 4.625%
HK$44,036
+HK$2,526/mo
Deposit HK$952K · loan HK$8.56M · min. income ≈ HK$83,020/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,454
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,620
−HK$1,182/mo
Today · 4.125%
HK$45,802
baseline
▲ 0.50% · 4.625%
HK$48,216
+HK$2,414/mo
Deposit HK$952K · loan HK$8.56M · min. income ≈ HK$91,604/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,660 · Scale 2, in force from 26 Feb 2026)