LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,753
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,430
−HK$688/mo
Today · 4.125%
HK$23,118
baseline
▲ 0.50% · 4.625%
HK$24,524
+HK$1,406/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,236/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,200
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,849
−HK$659/mo
Today · 4.125%
HK$25,508
baseline
▲ 0.50% · 4.625%
HK$26,852
+HK$1,344/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,016/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,104
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,916
−HK$825/mo
Today · 4.125%
HK$27,741
baseline
▲ 0.50% · 4.625%
HK$29,429
+HK$1,688/mo
Deposit HK$3.82M · loan HK$5.72M · min. income ≈ HK$55,482/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,041
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,819
−HK$791/mo
Today · 4.125%
HK$30,610
baseline
▲ 0.50% · 4.625%
HK$32,223
+HK$1,613/mo
Deposit HK$3.82M · loan HK$5.72M · min. income ≈ HK$61,220/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,455
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,402
−HK$963/mo
Today · 4.125%
HK$32,365
baseline
▲ 0.50% · 4.625%
HK$34,334
+HK$1,969/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,730/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$323,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,881
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,789
−HK$922/mo
Today · 4.125%
HK$35,711
baseline
▲ 0.50% · 4.625%
HK$37,593
+HK$1,882/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,422/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$323,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,156
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,374
−HK$1,238/mo
Today · 4.125%
HK$41,612
baseline
▲ 0.50% · 4.625%
HK$44,144
+HK$2,532/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$83,224/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,561
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,729
−HK$1,185/mo
Today · 4.125%
HK$45,914
baseline
▲ 0.50% · 4.625%
HK$48,334
+HK$2,420/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$91,828/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,990 · Scale 2, in force from 26 Feb 2026)