LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,708
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,383
−HK$686/mo
Today · 4.125%
HK$23,069
baseline
▲ 0.50% · 4.625%
HK$24,473
+HK$1,404/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,138/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$322,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,150
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,798
−HK$657/mo
Today · 4.125%
HK$25,455
baseline
▲ 0.50% · 4.625%
HK$26,797
+HK$1,342/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,910/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$322,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,050
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,860
−HK$823/mo
Today · 4.125%
HK$27,683
baseline
▲ 0.50% · 4.625%
HK$29,368
+HK$1,685/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,366/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,980
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,757
−HK$789/mo
Today · 4.125%
HK$30,546
baseline
▲ 0.50% · 4.625%
HK$32,156
+HK$1,610/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,092/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,391
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,337
−HK$960/mo
Today · 4.125%
HK$32,297
baseline
▲ 0.50% · 4.625%
HK$34,262
+HK$1,965/mo
Deposit HK$2.86M · loan HK$6.66M · min. income ≈ HK$64,594/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,810
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,717
−HK$920/mo
Today · 4.125%
HK$35,637
baseline
▲ 0.50% · 4.625%
HK$37,515
+HK$1,878/mo
Deposit HK$2.86M · loan HK$6.66M · min. income ≈ HK$71,274/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,075
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,290
−HK$1,235/mo
Today · 4.125%
HK$41,525
baseline
▲ 0.50% · 4.625%
HK$44,052
+HK$2,527/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$83,050/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$322,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,470
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,636
−HK$1,183/mo
Today · 4.125%
HK$45,819
baseline
▲ 0.50% · 4.625%
HK$48,234
+HK$2,415/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$91,638/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$322,006 · Scale 2, in force from 26 Feb 2026)