LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,777
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,454
−HK$689/mo
Today · 4.125%
HK$23,143
baseline
▲ 0.50% · 4.625%
HK$24,551
+HK$1,408/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,286/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,227
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,877
−HK$659/mo
Today · 4.125%
HK$25,536
baseline
▲ 0.50% · 4.625%
HK$26,882
+HK$1,346/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,072/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,133
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,945
−HK$826/mo
Today · 4.125%
HK$27,771
baseline
▲ 0.50% · 4.625%
HK$29,461
+HK$1,690/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$325,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,072
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,852
−HK$791/mo
Today · 4.125%
HK$30,643
baseline
▲ 0.50% · 4.625%
HK$32,258
+HK$1,615/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,286/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,488
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,436
−HK$964/mo
Today · 4.125%
HK$32,400
baseline
▲ 0.50% · 4.625%
HK$34,371
+HK$1,971/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$64,800/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,918
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,827
−HK$923/mo
Today · 4.125%
HK$35,750
baseline
▲ 0.50% · 4.625%
HK$37,634
+HK$1,884/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$71,500/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,199
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,418
−HK$1,239/mo
Today · 4.125%
HK$41,657
baseline
▲ 0.50% · 4.625%
HK$44,192
+HK$2,535/mo
Deposit HK$955K · loan HK$8.60M · min. income ≈ HK$83,314/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,608
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,778
−HK$1,186/mo
Today · 4.125%
HK$45,964
baseline
▲ 0.50% · 4.625%
HK$48,387
+HK$2,423/mo
Deposit HK$955K · loan HK$8.60M · min. income ≈ HK$91,928/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,029 · Scale 2, in force from 26 Feb 2026)