LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,777
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,454
−HK$688/mo
Today · 4.125%
HK$23,142
baseline
▲ 0.50% · 4.625%
HK$24,550
+HK$1,408/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,284/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,226
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,876
−HK$659/mo
Today · 4.125%
HK$25,535
baseline
▲ 0.50% · 4.625%
HK$26,881
+HK$1,346/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,070/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,132
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,945
−HK$826/mo
Today · 4.125%
HK$27,771
baseline
▲ 0.50% · 4.625%
HK$29,460
+HK$1,689/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,542/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,072
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,851
−HK$791/mo
Today · 4.125%
HK$30,642
baseline
▲ 0.50% · 4.625%
HK$32,257
+HK$1,615/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,284/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,487
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,436
−HK$963/mo
Today · 4.125%
HK$32,399
baseline
▲ 0.50% · 4.625%
HK$34,371
+HK$1,972/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$64,798/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,917
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,826
−HK$923/mo
Today · 4.125%
HK$35,749
baseline
▲ 0.50% · 4.625%
HK$37,634
+HK$1,885/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$71,498/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,198
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,417
−HK$1,239/mo
Today · 4.125%
HK$41,656
baseline
▲ 0.50% · 4.625%
HK$44,191
+HK$2,535/mo
Deposit HK$955K · loan HK$8.60M · min. income ≈ HK$83,312/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,607
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,777
−HK$1,186/mo
Today · 4.125%
HK$45,963
baseline
▲ 0.50% · 4.625%
HK$48,386
+HK$2,423/mo
Deposit HK$955K · loan HK$8.60M · min. income ≈ HK$91,926/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,009 · Scale 2, in force from 26 Feb 2026)