LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,712
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,388
−HK$686/mo
Today · 4.125%
HK$23,074
baseline
▲ 0.50% · 4.625%
HK$24,478
+HK$1,404/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,148/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$322,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,155
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,802
−HK$658/mo
Today · 4.125%
HK$25,460
baseline
▲ 0.50% · 4.625%
HK$26,802
+HK$1,342/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,920/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$322,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,055
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,865
−HK$823/mo
Today · 4.125%
HK$27,688
baseline
▲ 0.50% · 4.625%
HK$29,373
+HK$1,685/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,376/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,985
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,763
−HK$788/mo
Today · 4.125%
HK$30,551
baseline
▲ 0.50% · 4.625%
HK$32,162
+HK$1,611/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,102/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,397
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,343
−HK$960/mo
Today · 4.125%
HK$32,303
baseline
▲ 0.50% · 4.625%
HK$34,269
+HK$1,966/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,606/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,816
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,723
−HK$920/mo
Today · 4.125%
HK$35,643
baseline
▲ 0.50% · 4.625%
HK$37,522
+HK$1,879/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,286/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,082
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$40,298
−HK$1,235/mo
Today · 4.125%
HK$41,533
baseline
▲ 0.50% · 4.625%
HK$44,060
+HK$2,527/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$83,066/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$322,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,478
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,644
−HK$1,183/mo
Today · 4.125%
HK$45,827
baseline
▲ 0.50% · 4.625%
HK$48,243
+HK$2,416/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$91,654/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$322,180 · Scale 2, in force from 26 Feb 2026)