LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,766
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,443
−HK$688/mo
Today · 4.125%
HK$23,131
baseline
▲ 0.50% · 4.625%
HK$24,538
+HK$1,407/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,262/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,214
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,864
−HK$658/mo
Today · 4.125%
HK$25,522
baseline
▲ 0.50% · 4.625%
HK$26,868
+HK$1,346/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,044/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,119
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,931
−HK$826/mo
Today · 4.125%
HK$27,757
baseline
▲ 0.50% · 4.625%
HK$29,446
+HK$1,689/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,514/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,057
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,836
−HK$791/mo
Today · 4.125%
HK$30,627
baseline
▲ 0.50% · 4.625%
HK$32,241
+HK$1,614/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,254/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,472
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,420
−HK$963/mo
Today · 4.125%
HK$32,383
baseline
▲ 0.50% · 4.625%
HK$34,353
+HK$1,970/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,766/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,900
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,809
−HK$922/mo
Today · 4.125%
HK$35,731
baseline
▲ 0.50% · 4.625%
HK$37,615
+HK$1,884/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,462/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,178
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,397
−HK$1,238/mo
Today · 4.125%
HK$41,635
baseline
▲ 0.50% · 4.625%
HK$44,169
+HK$2,534/mo
Deposit HK$955K · loan HK$8.59M · min. income ≈ HK$83,270/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,585
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,754
−HK$1,186/mo
Today · 4.125%
HK$45,940
baseline
▲ 0.50% · 4.625%
HK$48,362
+HK$2,422/mo
Deposit HK$955K · loan HK$8.59M · min. income ≈ HK$91,880/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,531 · Scale 2, in force from 26 Feb 2026)