LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,758
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,435
−HK$687/mo
Today · 4.125%
HK$23,122
baseline
▲ 0.50% · 4.625%
HK$24,529
+HK$1,407/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,244/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,206
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,855
−HK$658/mo
Today · 4.125%
HK$25,513
baseline
▲ 0.50% · 4.625%
HK$26,858
+HK$1,345/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,026/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,110
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,922
−HK$825/mo
Today · 4.125%
HK$27,747
baseline
▲ 0.50% · 4.625%
HK$29,435
+HK$1,688/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,494/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,047
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,826
−HK$790/mo
Today · 4.125%
HK$30,616
baseline
▲ 0.50% · 4.625%
HK$32,230
+HK$1,614/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,232/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,461
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,409
−HK$962/mo
Today · 4.125%
HK$32,371
baseline
▲ 0.50% · 4.625%
HK$34,341
+HK$1,970/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,742/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,888
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,797
−HK$922/mo
Today · 4.125%
HK$35,719
baseline
▲ 0.50% · 4.625%
HK$37,601
+HK$1,882/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,438/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,164
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,383
−HK$1,237/mo
Today · 4.125%
HK$41,620
baseline
▲ 0.50% · 4.625%
HK$44,153
+HK$2,533/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$83,240/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,570
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,738
−HK$1,186/mo
Today · 4.125%
HK$45,924
baseline
▲ 0.50% · 4.625%
HK$48,345
+HK$2,421/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$91,848/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,191 · Scale 2, in force from 26 Feb 2026)