LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,799
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,477
−HK$688/mo
Today · 4.125%
HK$23,165
baseline
▲ 0.50% · 4.625%
HK$24,575
+HK$1,410/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,330/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$325,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,251
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,901
−HK$660/mo
Today · 4.125%
HK$25,561
baseline
▲ 0.50% · 4.625%
HK$26,908
+HK$1,347/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,122/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$325,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,158
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,972
−HK$827/mo
Today · 4.125%
HK$27,799
baseline
▲ 0.50% · 4.625%
HK$29,490
+HK$1,691/mo
Deposit HK$3.82M · loan HK$5.74M · min. income ≈ HK$55,598/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,101
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,881
−HK$792/mo
Today · 4.125%
HK$30,673
baseline
▲ 0.50% · 4.625%
HK$32,290
+HK$1,617/mo
Deposit HK$3.82M · loan HK$5.74M · min. income ≈ HK$61,346/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,518
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,467
−HK$965/mo
Today · 4.125%
HK$32,432
baseline
▲ 0.50% · 4.625%
HK$34,405
+HK$1,973/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$64,864/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,951
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,861
−HK$924/mo
Today · 4.125%
HK$35,785
baseline
▲ 0.50% · 4.625%
HK$37,671
+HK$1,886/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$71,570/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,237
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$40,458
−HK$1,240/mo
Today · 4.125%
HK$41,698
baseline
▲ 0.50% · 4.625%
HK$44,235
+HK$2,537/mo
Deposit HK$956K · loan HK$8.60M · min. income ≈ HK$83,396/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,651
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,822
−HK$1,187/mo
Today · 4.125%
HK$46,009
baseline
▲ 0.50% · 4.625%
HK$48,435
+HK$2,426/mo
Deposit HK$956K · loan HK$8.60M · min. income ≈ HK$92,018/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,968 · Scale 2, in force from 26 Feb 2026)