LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,806
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,484
−HK$689/mo
Today · 4.125%
HK$23,173
baseline
▲ 0.50% · 4.625%
HK$24,583
+HK$1,410/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,346/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,259
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,910
−HK$660/mo
Today · 4.125%
HK$25,570
baseline
▲ 0.50% · 4.625%
HK$26,917
+HK$1,347/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,140/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,167
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,981
−HK$827/mo
Today · 4.125%
HK$27,808
baseline
▲ 0.50% · 4.625%
HK$29,500
+HK$1,692/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$55,616/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,111
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,891
−HK$792/mo
Today · 4.125%
HK$30,683
baseline
▲ 0.50% · 4.625%
HK$32,301
+HK$1,618/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$61,366/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,528
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,478
−HK$965/mo
Today · 4.125%
HK$32,443
baseline
▲ 0.50% · 4.625%
HK$34,417
+HK$1,974/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$64,886/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,962
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,873
−HK$924/mo
Today · 4.125%
HK$35,797
baseline
▲ 0.50% · 4.625%
HK$37,684
+HK$1,887/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$71,594/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,251
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$40,472
−HK$1,240/mo
Today · 4.125%
HK$41,712
baseline
▲ 0.50% · 4.625%
HK$44,250
+HK$2,538/mo
Deposit HK$956K · loan HK$8.61M · min. income ≈ HK$83,424/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,666
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$44,837
−HK$1,188/mo
Today · 4.125%
HK$46,025
baseline
▲ 0.50% · 4.625%
HK$48,451
+HK$2,426/mo
Deposit HK$956K · loan HK$8.61M · min. income ≈ HK$92,050/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,294 · Scale 2, in force from 26 Feb 2026)