LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,720
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,395
−HK$687/mo
Today · 4.125%
HK$23,082
baseline
▲ 0.50% · 4.625%
HK$24,486
+HK$1,404/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,164/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$322,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,163
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,811
−HK$657/mo
Today · 4.125%
HK$25,468
baseline
▲ 0.50% · 4.625%
HK$26,811
+HK$1,343/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,936/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$322,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,064
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,874
−HK$824/mo
Today · 4.125%
HK$27,698
baseline
▲ 0.50% · 4.625%
HK$29,383
+HK$1,685/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,396/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,996
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,773
−HK$789/mo
Today · 4.125%
HK$30,562
baseline
▲ 0.50% · 4.625%
HK$32,173
+HK$1,611/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,124/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,408
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,353
−HK$961/mo
Today · 4.125%
HK$32,314
baseline
▲ 0.50% · 4.625%
HK$34,281
+HK$1,967/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,628/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,828
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,735
−HK$921/mo
Today · 4.125%
HK$35,656
baseline
▲ 0.50% · 4.625%
HK$37,535
+HK$1,879/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,312/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,095
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,312
−HK$1,235/mo
Today · 4.125%
HK$41,547
baseline
▲ 0.50% · 4.625%
HK$44,075
+HK$2,528/mo
Deposit HK$953K · loan HK$8.57M · min. income ≈ HK$83,094/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$322,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,493
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,660
−HK$1,183/mo
Today · 4.125%
HK$45,843
baseline
▲ 0.50% · 4.625%
HK$48,260
+HK$2,417/mo
Deposit HK$953K · loan HK$8.57M · min. income ≈ HK$91,686/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$322,511 · Scale 2, in force from 26 Feb 2026)