LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,729
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,405
−HK$687/mo
Today · 4.125%
HK$23,092
baseline
▲ 0.50% · 4.625%
HK$24,497
+HK$1,405/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,184/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$322,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,174
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,822
−HK$658/mo
Today · 4.125%
HK$25,480
baseline
▲ 0.50% · 4.625%
HK$26,823
+HK$1,343/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,960/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$322,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,075
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,886
−HK$825/mo
Today · 4.125%
HK$27,711
baseline
▲ 0.50% · 4.625%
HK$29,397
+HK$1,686/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,422/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,009
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,787
−HK$789/mo
Today · 4.125%
HK$30,576
baseline
▲ 0.50% · 4.625%
HK$32,188
+HK$1,612/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,152/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,421
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,368
−HK$961/mo
Today · 4.125%
HK$32,329
baseline
▲ 0.50% · 4.625%
HK$34,296
+HK$1,967/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,658/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,843
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,751
−HK$921/mo
Today · 4.125%
HK$35,672
baseline
▲ 0.50% · 4.625%
HK$37,552
+HK$1,880/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,344/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,113
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,330
−HK$1,236/mo
Today · 4.125%
HK$41,566
baseline
▲ 0.50% · 4.625%
HK$44,095
+HK$2,529/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$83,132/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$322,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,513
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,680
−HK$1,184/mo
Today · 4.125%
HK$45,864
baseline
▲ 0.50% · 4.625%
HK$48,281
+HK$2,417/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$91,728/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$322,940 · Scale 2, in force from 26 Feb 2026)