LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,779
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,456
−HK$688/mo
Today · 4.125%
HK$23,144
baseline
▲ 0.50% · 4.625%
HK$24,553
+HK$1,409/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,288/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,228
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,878
−HK$659/mo
Today · 4.125%
HK$25,537
baseline
▲ 0.50% · 4.625%
HK$26,884
+HK$1,347/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,074/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,134
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,947
−HK$826/mo
Today · 4.125%
HK$27,773
baseline
▲ 0.50% · 4.625%
HK$29,463
+HK$1,690/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,546/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,074
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,854
−HK$791/mo
Today · 4.125%
HK$30,645
baseline
▲ 0.50% · 4.625%
HK$32,260
+HK$1,615/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,290/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,490
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,438
−HK$964/mo
Today · 4.125%
HK$32,402
baseline
▲ 0.50% · 4.625%
HK$34,374
+HK$1,972/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$64,804/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,920
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,830
−HK$922/mo
Today · 4.125%
HK$35,752
baseline
▲ 0.50% · 4.625%
HK$37,637
+HK$1,885/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$71,504/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,201
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,421
−HK$1,239/mo
Today · 4.125%
HK$41,660
baseline
▲ 0.50% · 4.625%
HK$44,195
+HK$2,535/mo
Deposit HK$955K · loan HK$8.60M · min. income ≈ HK$83,320/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,611
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,781
−HK$1,186/mo
Today · 4.125%
HK$45,967
baseline
▲ 0.50% · 4.625%
HK$48,390
+HK$2,423/mo
Deposit HK$955K · loan HK$8.60M · min. income ≈ HK$91,934/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,094 · Scale 2, in force from 26 Feb 2026)