LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,765
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,442
−HK$688/mo
Today · 4.125%
HK$23,130
baseline
▲ 0.50% · 4.625%
HK$24,537
+HK$1,407/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,260/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,213
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,863
−HK$658/mo
Today · 4.125%
HK$25,521
baseline
▲ 0.50% · 4.625%
HK$26,867
+HK$1,346/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,042/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,118
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,930
−HK$826/mo
Today · 4.125%
HK$27,756
baseline
▲ 0.50% · 4.625%
HK$29,444
+HK$1,688/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,512/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,056
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,835
−HK$791/mo
Today · 4.125%
HK$30,626
baseline
▲ 0.50% · 4.625%
HK$32,240
+HK$1,614/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,252/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,471
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,419
−HK$962/mo
Today · 4.125%
HK$32,381
baseline
▲ 0.50% · 4.625%
HK$34,352
+HK$1,971/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,762/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,898
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,808
−HK$922/mo
Today · 4.125%
HK$35,730
baseline
▲ 0.50% · 4.625%
HK$37,613
+HK$1,883/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,460/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,177
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,395
−HK$1,238/mo
Today · 4.125%
HK$41,633
baseline
▲ 0.50% · 4.625%
HK$44,167
+HK$2,534/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$83,266/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,584
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,753
−HK$1,185/mo
Today · 4.125%
HK$45,938
baseline
▲ 0.50% · 4.625%
HK$48,360
+HK$2,422/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$91,876/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,489 · Scale 2, in force from 26 Feb 2026)