LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,769
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,446
−HK$688/mo
Today · 4.125%
HK$23,134
baseline
▲ 0.50% · 4.625%
HK$24,542
+HK$1,408/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,268/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,218
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,867
−HK$659/mo
Today · 4.125%
HK$25,526
baseline
▲ 0.50% · 4.625%
HK$26,872
+HK$1,346/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,052/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,123
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,935
−HK$826/mo
Today · 4.125%
HK$27,761
baseline
▲ 0.50% · 4.625%
HK$29,450
+HK$1,689/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,522/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,061
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,841
−HK$790/mo
Today · 4.125%
HK$30,631
baseline
▲ 0.50% · 4.625%
HK$32,246
+HK$1,615/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,262/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,477
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,425
−HK$963/mo
Today · 4.125%
HK$32,388
baseline
▲ 0.50% · 4.625%
HK$34,358
+HK$1,970/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,776/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,905
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,814
−HK$923/mo
Today · 4.125%
HK$35,737
baseline
▲ 0.50% · 4.625%
HK$37,620
+HK$1,883/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,474/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,184
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,403
−HK$1,238/mo
Today · 4.125%
HK$41,641
baseline
▲ 0.50% · 4.625%
HK$44,175
+HK$2,534/mo
Deposit HK$955K · loan HK$8.59M · min. income ≈ HK$83,282/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,592
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,761
−HK$1,186/mo
Today · 4.125%
HK$45,947
baseline
▲ 0.50% · 4.625%
HK$48,369
+HK$2,422/mo
Deposit HK$955K · loan HK$8.59M · min. income ≈ HK$91,894/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,675 · Scale 2, in force from 26 Feb 2026)