LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,730
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,406
−HK$687/mo
Today · 4.125%
HK$23,093
baseline
▲ 0.50% · 4.625%
HK$24,498
+HK$1,405/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,186/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$322,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,174
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,823
−HK$657/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$322,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,076
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,887
−HK$824/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$322,960 · 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$322,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,422
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,368
−HK$962/mo
Today · 4.125%
HK$32,330
baseline
▲ 0.50% · 4.625%
HK$34,297
+HK$1,967/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,660/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,844
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,752
−HK$921/mo
Today · 4.125%
HK$35,673
baseline
▲ 0.50% · 4.625%
HK$37,553
+HK$1,880/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,346/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,114
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,331
−HK$1,236/mo
Today · 4.125%
HK$41,567
baseline
▲ 0.50% · 4.625%
HK$44,096
+HK$2,529/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$83,134/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$322,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,514
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,681
−HK$1,184/mo
Today · 4.125%
HK$45,865
baseline
▲ 0.50% · 4.625%
HK$48,282
+HK$2,417/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$91,730/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$322,960 · Scale 2, in force from 26 Feb 2026)