LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,738
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,415
−HK$687/mo
Today · 4.125%
HK$23,102
baseline
▲ 0.50% · 4.625%
HK$24,507
+HK$1,405/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,204/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,184
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,832
−HK$658/mo
Today · 4.125%
HK$25,490
baseline
▲ 0.50% · 4.625%
HK$26,834
+HK$1,344/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$50,980/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,086
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,897
−HK$825/mo
Today · 4.125%
HK$27,722
baseline
▲ 0.50% · 4.625%
HK$29,409
+HK$1,687/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,444/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,020
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,799
−HK$789/mo
Today · 4.125%
HK$30,588
baseline
▲ 0.50% · 4.625%
HK$32,201
+HK$1,613/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,176/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,434
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,380
−HK$962/mo
Today · 4.125%
HK$32,342
baseline
▲ 0.50% · 4.625%
HK$34,310
+HK$1,968/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,684/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,857
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,765
−HK$921/mo
Today · 4.125%
HK$35,686
baseline
▲ 0.50% · 4.625%
HK$37,567
+HK$1,881/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,372/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,129
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,346
−HK$1,237/mo
Today · 4.125%
HK$41,583
baseline
▲ 0.50% · 4.625%
HK$44,113
+HK$2,530/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$83,166/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,531
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,698
−HK$1,184/mo
Today · 4.125%
HK$45,882
baseline
▲ 0.50% · 4.625%
HK$48,301
+HK$2,419/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$91,764/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,330 · Scale 2, in force from 26 Feb 2026)