LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,748
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,424
−HK$687/mo
Today · 4.125%
HK$23,111
baseline
▲ 0.50% · 4.625%
HK$24,518
+HK$1,407/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,222/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,194
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,843
−HK$658/mo
Today · 4.125%
HK$25,501
baseline
▲ 0.50% · 4.625%
HK$26,845
+HK$1,344/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,002/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,097
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,909
−HK$825/mo
Today · 4.125%
HK$27,734
baseline
▲ 0.50% · 4.625%
HK$29,421
+HK$1,687/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,468/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,033
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,811
−HK$790/mo
Today · 4.125%
HK$30,601
baseline
▲ 0.50% · 4.625%
HK$32,214
+HK$1,613/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,202/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,447
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,394
−HK$962/mo
Today · 4.125%
HK$32,356
baseline
▲ 0.50% · 4.625%
HK$34,325
+HK$1,969/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,712/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,871
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,780
−HK$921/mo
Today · 4.125%
HK$35,701
baseline
▲ 0.50% · 4.625%
HK$37,583
+HK$1,882/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,402/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,146
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,363
−HK$1,237/mo
Today · 4.125%
HK$41,600
baseline
▲ 0.50% · 4.625%
HK$44,132
+HK$2,532/mo
Deposit HK$954K · loan HK$8.58M · min. income ≈ HK$83,200/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,549
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,717
−HK$1,185/mo
Today · 4.125%
HK$45,902
baseline
▲ 0.50% · 4.625%
HK$48,321
+HK$2,419/mo
Deposit HK$954K · loan HK$8.58M · min. income ≈ HK$91,804/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,732 · Scale 2, in force from 26 Feb 2026)