LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,734
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,410
−HK$687/mo
Today · 4.125%
HK$23,097
baseline
▲ 0.50% · 4.625%
HK$24,502
+HK$1,405/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,194/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,179
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,828
−HK$657/mo
Today · 4.125%
HK$25,485
baseline
▲ 0.50% · 4.625%
HK$26,829
+HK$1,344/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$50,970/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,081
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,892
−HK$825/mo
Today · 4.125%
HK$27,717
baseline
▲ 0.50% · 4.625%
HK$29,403
+HK$1,686/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,434/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,015
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,793
−HK$789/mo
Today · 4.125%
HK$30,582
baseline
▲ 0.50% · 4.625%
HK$32,194
+HK$1,612/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,164/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,428
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,374
−HK$962/mo
Today · 4.125%
HK$32,336
baseline
▲ 0.50% · 4.625%
HK$34,303
+HK$1,967/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,672/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,851
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,759
−HK$921/mo
Today · 4.125%
HK$35,680
baseline
▲ 0.50% · 4.625%
HK$37,560
+HK$1,880/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,360/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,122
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,338
−HK$1,237/mo
Today · 4.125%
HK$41,575
baseline
▲ 0.50% · 4.625%
HK$44,104
+HK$2,529/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$83,150/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,522
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,690
−HK$1,184/mo
Today · 4.125%
HK$45,874
baseline
▲ 0.50% · 4.625%
HK$48,292
+HK$2,418/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$91,748/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,146 · Scale 2, in force from 26 Feb 2026)