LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,763
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,440
−HK$688/mo
Today · 4.125%
HK$23,128
baseline
▲ 0.50% · 4.625%
HK$24,535
+HK$1,407/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,256/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,211
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,861
−HK$658/mo
Today · 4.125%
HK$25,519
baseline
▲ 0.50% · 4.625%
HK$26,864
+HK$1,345/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,038/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,116
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,928
−HK$825/mo
Today · 4.125%
HK$27,753
baseline
▲ 0.50% · 4.625%
HK$29,442
+HK$1,689/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,506/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,053
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,833
−HK$790/mo
Today · 4.125%
HK$30,623
baseline
▲ 0.50% · 4.625%
HK$32,237
+HK$1,614/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,246/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,468
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,416
−HK$963/mo
Today · 4.125%
HK$32,379
baseline
▲ 0.50% · 4.625%
HK$34,349
+HK$1,970/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,758/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,896
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,805
−HK$922/mo
Today · 4.125%
HK$35,727
baseline
▲ 0.50% · 4.625%
HK$37,610
+HK$1,883/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,454/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,174
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,392
−HK$1,238/mo
Today · 4.125%
HK$41,630
baseline
▲ 0.50% · 4.625%
HK$44,163
+HK$2,533/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$83,260/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,580
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,749
−HK$1,186/mo
Today · 4.125%
HK$45,935
baseline
▲ 0.50% · 4.625%
HK$48,356
+HK$2,421/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$91,870/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,414 · Scale 2, in force from 26 Feb 2026)