LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,703
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,378
−HK$686/mo
Today · 4.125%
HK$23,064
baseline
▲ 0.50% · 4.625%
HK$24,468
+HK$1,404/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,128/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,145
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,792
−HK$657/mo
Today · 4.125%
HK$25,449
baseline
▲ 0.50% · 4.625%
HK$26,791
+HK$1,342/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,898/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,044
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,854
−HK$823/mo
Today · 4.125%
HK$27,677
baseline
▲ 0.50% · 4.625%
HK$29,361
+HK$1,684/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,354/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,974
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,751
−HK$788/mo
Today · 4.125%
HK$30,539
baseline
▲ 0.50% · 4.625%
HK$32,149
+HK$1,610/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,078/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,385
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,330
−HK$960/mo
Today · 4.125%
HK$32,290
baseline
▲ 0.50% · 4.625%
HK$34,255
+HK$1,965/mo
Deposit HK$2.86M · loan HK$6.66M · min. income ≈ HK$64,580/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,803
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,709
−HK$920/mo
Today · 4.125%
HK$35,629
baseline
▲ 0.50% · 4.625%
HK$37,507
+HK$1,878/mo
Deposit HK$2.86M · loan HK$6.66M · min. income ≈ HK$71,258/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,066
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,281
−HK$1,235/mo
Today · 4.125%
HK$41,516
baseline
▲ 0.50% · 4.625%
HK$44,042
+HK$2,526/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$83,032/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,461
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,626
−HK$1,183/mo
Today · 4.125%
HK$45,809
baseline
▲ 0.50% · 4.625%
HK$48,223
+HK$2,414/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$91,618/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,797 · Scale 2, in force from 26 Feb 2026)