LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,773
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,450
−HK$688/mo
Today · 4.125%
HK$23,138
baseline
▲ 0.50% · 4.625%
HK$24,546
+HK$1,408/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,276/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,222
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,871
−HK$659/mo
Today · 4.125%
HK$25,530
baseline
▲ 0.50% · 4.625%
HK$26,876
+HK$1,346/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,060/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,127
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,940
−HK$825/mo
Today · 4.125%
HK$27,765
baseline
▲ 0.50% · 4.625%
HK$29,455
+HK$1,690/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,530/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,066
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,846
−HK$790/mo
Today · 4.125%
HK$30,636
baseline
▲ 0.50% · 4.625%
HK$32,251
+HK$1,615/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,272/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,482
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,430
−HK$963/mo
Today · 4.125%
HK$32,393
baseline
▲ 0.50% · 4.625%
HK$34,364
+HK$1,971/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,786/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,910
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,820
−HK$923/mo
Today · 4.125%
HK$35,743
baseline
▲ 0.50% · 4.625%
HK$37,627
+HK$1,884/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,486/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,191
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,410
−HK$1,238/mo
Today · 4.125%
HK$41,648
baseline
▲ 0.50% · 4.625%
HK$44,182
+HK$2,534/mo
Deposit HK$955K · loan HK$8.59M · min. income ≈ HK$83,296/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,599
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,768
−HK$1,187/mo
Today · 4.125%
HK$45,955
baseline
▲ 0.50% · 4.625%
HK$48,377
+HK$2,422/mo
Deposit HK$955K · loan HK$8.59M · min. income ≈ HK$91,910/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,830 · Scale 2, in force from 26 Feb 2026)