LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,787
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,464
−HK$689/mo
Today · 4.125%
HK$23,153
baseline
▲ 0.50% · 4.625%
HK$24,562
+HK$1,409/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,306/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,237
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,887
−HK$660/mo
Today · 4.125%
HK$25,547
baseline
▲ 0.50% · 4.625%
HK$26,893
+HK$1,346/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,094/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,144
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,957
−HK$826/mo
Today · 4.125%
HK$27,783
baseline
▲ 0.50% · 4.625%
HK$29,474
+HK$1,691/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,566/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,085
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,865
−HK$791/mo
Today · 4.125%
HK$30,656
baseline
▲ 0.50% · 4.625%
HK$32,272
+HK$1,616/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,312/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,501
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,450
−HK$964/mo
Today · 4.125%
HK$32,414
baseline
▲ 0.50% · 4.625%
HK$34,386
+HK$1,972/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$64,828/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,932
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,842
−HK$923/mo
Today · 4.125%
HK$35,765
baseline
▲ 0.50% · 4.625%
HK$37,651
+HK$1,886/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$71,530/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,216
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,436
−HK$1,239/mo
Today · 4.125%
HK$41,675
baseline
▲ 0.50% · 4.625%
HK$44,211
+HK$2,536/mo
Deposit HK$955K · loan HK$8.60M · min. income ≈ HK$83,350/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,627
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,797
−HK$1,187/mo
Today · 4.125%
HK$45,984
baseline
▲ 0.50% · 4.625%
HK$48,408
+HK$2,424/mo
Deposit HK$955K · loan HK$8.60M · min. income ≈ HK$91,968/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,442 · Scale 2, in force from 26 Feb 2026)