LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,719
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,394
−HK$687/mo
Today · 4.125%
HK$23,081
baseline
▲ 0.50% · 4.625%
HK$24,485
+HK$1,404/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,162/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$322,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,162
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,810
−HK$657/mo
Today · 4.125%
HK$25,467
baseline
▲ 0.50% · 4.625%
HK$26,810
+HK$1,343/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,934/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$322,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,063
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,873
−HK$824/mo
Today · 4.125%
HK$27,697
baseline
▲ 0.50% · 4.625%
HK$29,382
+HK$1,685/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,394/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,994
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,772
−HK$789/mo
Today · 4.125%
HK$30,561
baseline
▲ 0.50% · 4.625%
HK$32,172
+HK$1,611/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,122/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,406
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,352
−HK$961/mo
Today · 4.125%
HK$32,313
baseline
▲ 0.50% · 4.625%
HK$34,279
+HK$1,966/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,626/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,827
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,734
−HK$920/mo
Today · 4.125%
HK$35,654
baseline
▲ 0.50% · 4.625%
HK$37,534
+HK$1,880/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,308/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,094
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$40,310
−HK$1,235/mo
Today · 4.125%
HK$41,545
baseline
▲ 0.50% · 4.625%
HK$44,073
+HK$2,528/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$83,090/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$322,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,492
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,658
−HK$1,183/mo
Today · 4.125%
HK$45,841
baseline
▲ 0.50% · 4.625%
HK$48,258
+HK$2,417/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$91,682/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$322,473 · Scale 2, in force from 26 Feb 2026)