LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,756
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,433
−HK$688/mo
Today · 4.125%
HK$23,121
baseline
▲ 0.50% · 4.625%
HK$24,528
+HK$1,407/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,242/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$324,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,204
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,853
−HK$658/mo
Today · 4.125%
HK$25,511
baseline
▲ 0.50% · 4.625%
HK$26,856
+HK$1,345/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,022/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$324,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,108
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,920
−HK$825/mo
Today · 4.125%
HK$27,745
baseline
▲ 0.50% · 4.625%
HK$29,433
+HK$1,688/mo
Deposit HK$3.82M · loan HK$5.72M · min. income ≈ HK$55,490/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,045
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,823
−HK$791/mo
Today · 4.125%
HK$30,614
baseline
▲ 0.50% · 4.625%
HK$32,227
+HK$1,613/mo
Deposit HK$3.82M · loan HK$5.72M · min. income ≈ HK$61,228/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,459
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,406
−HK$963/mo
Today · 4.125%
HK$32,369
baseline
▲ 0.50% · 4.625%
HK$34,339
+HK$1,970/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,738/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,885
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,794
−HK$922/mo
Today · 4.125%
HK$35,716
baseline
▲ 0.50% · 4.625%
HK$37,599
+HK$1,883/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,432/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,162
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,380
−HK$1,237/mo
Today · 4.125%
HK$41,617
baseline
▲ 0.50% · 4.625%
HK$44,150
+HK$2,533/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$83,234/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,567
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,735
−HK$1,186/mo
Today · 4.125%
HK$45,921
baseline
▲ 0.50% · 4.625%
HK$48,341
+HK$2,420/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$91,842/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,121 · Scale 2, in force from 26 Feb 2026)