LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,769
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,447
−HK$688/mo
Today · 4.125%
HK$23,135
baseline
▲ 0.50% · 4.625%
HK$24,542
+HK$1,407/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,270/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,218
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,868
−HK$659/mo
Today · 4.125%
HK$25,527
baseline
▲ 0.50% · 4.625%
HK$26,872
+HK$1,345/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,054/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,123
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,936
−HK$825/mo
Today · 4.125%
HK$27,761
baseline
▲ 0.50% · 4.625%
HK$29,451
+HK$1,690/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$324,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,062
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,841
−HK$791/mo
Today · 4.125%
HK$30,632
baseline
▲ 0.50% · 4.625%
HK$32,247
+HK$1,615/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,264/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,691 · 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$34,359
+HK$1,971/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$324,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,906
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,815
−HK$922/mo
Today · 4.125%
HK$35,737
baseline
▲ 0.50% · 4.625%
HK$37,621
+HK$1,884/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$324,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,185
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,404
−HK$1,238/mo
Today · 4.125%
HK$41,642
baseline
▲ 0.50% · 4.625%
HK$44,176
+HK$2,534/mo
Deposit HK$955K · loan HK$8.59M · min. income ≈ HK$83,284/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,593
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,762
−HK$1,186/mo
Today · 4.125%
HK$45,948
baseline
▲ 0.50% · 4.625%
HK$48,370
+HK$2,422/mo
Deposit HK$955K · loan HK$8.59M · min. income ≈ HK$91,896/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,691 · Scale 2, in force from 26 Feb 2026)