LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,743
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,419
−HK$687/mo
Today · 4.125%
HK$23,106
baseline
▲ 0.50% · 4.625%
HK$24,512
+HK$1,406/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,212/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,189
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,837
−HK$658/mo
Today · 4.125%
HK$25,495
baseline
▲ 0.50% · 4.625%
HK$26,839
+HK$1,344/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$50,990/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,091
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,903
−HK$824/mo
Today · 4.125%
HK$27,727
baseline
▲ 0.50% · 4.625%
HK$29,415
+HK$1,688/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,454/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,026
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,805
−HK$790/mo
Today · 4.125%
HK$30,595
baseline
▲ 0.50% · 4.625%
HK$32,207
+HK$1,612/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,190/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,440
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,387
−HK$962/mo
Today · 4.125%
HK$32,349
baseline
▲ 0.50% · 4.625%
HK$34,317
+HK$1,968/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,698/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,864
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,772
−HK$922/mo
Today · 4.125%
HK$35,694
baseline
▲ 0.50% · 4.625%
HK$37,575
+HK$1,881/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,388/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,137
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,354
−HK$1,237/mo
Today · 4.125%
HK$41,591
baseline
▲ 0.50% · 4.625%
HK$44,122
+HK$2,531/mo
Deposit HK$954K · loan HK$8.58M · min. income ≈ HK$83,182/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,539
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,707
−HK$1,185/mo
Today · 4.125%
HK$45,892
baseline
▲ 0.50% · 4.625%
HK$48,311
+HK$2,419/mo
Deposit HK$954K · loan HK$8.58M · min. income ≈ HK$91,784/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,522 · Scale 2, in force from 26 Feb 2026)