LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,707
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,382
−HK$686/mo
Today · 4.125%
HK$23,068
baseline
▲ 0.50% · 4.625%
HK$24,471
+HK$1,403/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,136/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,148
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,796
−HK$657/mo
Today · 4.125%
HK$25,453
baseline
▲ 0.50% · 4.625%
HK$26,795
+HK$1,342/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,906/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,048
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,858
−HK$823/mo
Today · 4.125%
HK$27,681
baseline
▲ 0.50% · 4.625%
HK$29,366
+HK$1,685/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,362/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,978
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,755
−HK$789/mo
Today · 4.125%
HK$30,544
baseline
▲ 0.50% · 4.625%
HK$32,154
+HK$1,610/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,088/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,389
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,334
−HK$961/mo
Today · 4.125%
HK$32,295
baseline
▲ 0.50% · 4.625%
HK$34,260
+HK$1,965/mo
Deposit HK$2.86M · loan HK$6.66M · min. income ≈ HK$64,590/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,808
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,714
−HK$920/mo
Today · 4.125%
HK$35,634
baseline
▲ 0.50% · 4.625%
HK$37,512
+HK$1,878/mo
Deposit HK$2.86M · loan HK$6.66M · min. income ≈ HK$71,268/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,072
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,287
−HK$1,235/mo
Today · 4.125%
HK$41,522
baseline
▲ 0.50% · 4.625%
HK$44,048
+HK$2,526/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$83,044/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,467
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,633
−HK$1,182/mo
Today · 4.125%
HK$45,815
baseline
▲ 0.50% · 4.625%
HK$48,230
+HK$2,415/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$91,630/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,934 · Scale 2, in force from 26 Feb 2026)