LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,752
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,429
−HK$688/mo
Today · 4.125%
HK$23,117
baseline
▲ 0.50% · 4.625%
HK$24,523
+HK$1,406/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,234/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,199
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,848
−HK$659/mo
Today · 4.125%
HK$25,507
baseline
▲ 0.50% · 4.625%
HK$26,851
+HK$1,344/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,014/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,103
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,915
−HK$825/mo
Today · 4.125%
HK$27,740
baseline
▲ 0.50% · 4.625%
HK$29,428
+HK$1,688/mo
Deposit HK$3.82M · loan HK$5.72M · min. income ≈ HK$55,480/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,039
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,818
−HK$790/mo
Today · 4.125%
HK$30,608
baseline
▲ 0.50% · 4.625%
HK$32,222
+HK$1,614/mo
Deposit HK$3.82M · loan HK$5.72M · min. income ≈ HK$61,216/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,453
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,401
−HK$962/mo
Today · 4.125%
HK$32,363
baseline
▲ 0.50% · 4.625%
HK$34,332
+HK$1,969/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,726/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$323,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,879
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,788
−HK$922/mo
Today · 4.125%
HK$35,710
baseline
▲ 0.50% · 4.625%
HK$37,592
+HK$1,882/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,420/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$323,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,154
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,372
−HK$1,238/mo
Today · 4.125%
HK$41,610
baseline
▲ 0.50% · 4.625%
HK$44,142
+HK$2,532/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$83,220/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,559
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,727
−HK$1,185/mo
Today · 4.125%
HK$45,912
baseline
▲ 0.50% · 4.625%
HK$48,332
+HK$2,420/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$91,824/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,948 · Scale 2, in force from 26 Feb 2026)