LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,774
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,451
−HK$688/mo
Today · 4.125%
HK$23,139
baseline
▲ 0.50% · 4.625%
HK$24,547
+HK$1,408/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,278/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,223
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,873
−HK$659/mo
Today · 4.125%
HK$25,532
baseline
▲ 0.50% · 4.625%
HK$26,878
+HK$1,346/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,064/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,129
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,941
−HK$826/mo
Today · 4.125%
HK$27,767
baseline
▲ 0.50% · 4.625%
HK$29,457
+HK$1,690/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,534/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,068
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,847
−HK$791/mo
Today · 4.125%
HK$30,638
baseline
▲ 0.50% · 4.625%
HK$32,253
+HK$1,615/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,276/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,483
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,432
−HK$963/mo
Today · 4.125%
HK$32,395
baseline
▲ 0.50% · 4.625%
HK$34,366
+HK$1,971/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,790/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,912
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,822
−HK$923/mo
Today · 4.125%
HK$35,745
baseline
▲ 0.50% · 4.625%
HK$37,629
+HK$1,884/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,490/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,193
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,412
−HK$1,239/mo
Today · 4.125%
HK$41,651
baseline
▲ 0.50% · 4.625%
HK$44,185
+HK$2,534/mo
Deposit HK$955K · loan HK$8.59M · min. income ≈ HK$83,302/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,602
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,771
−HK$1,186/mo
Today · 4.125%
HK$45,957
baseline
▲ 0.50% · 4.625%
HK$48,380
+HK$2,423/mo
Deposit HK$955K · loan HK$8.59M · min. income ≈ HK$91,914/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,885 · Scale 2, in force from 26 Feb 2026)