LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,807
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,486
−HK$689/mo
Today · 4.125%
HK$23,175
baseline
▲ 0.50% · 4.625%
HK$24,585
+HK$1,410/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,350/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,260
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,911
−HK$660/mo
Today · 4.125%
HK$25,571
baseline
▲ 0.50% · 4.625%
HK$26,919
+HK$1,348/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,142/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,169
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,983
−HK$827/mo
Today · 4.125%
HK$27,810
baseline
▲ 0.50% · 4.625%
HK$29,502
+HK$1,692/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$55,620/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,112
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,893
−HK$792/mo
Today · 4.125%
HK$30,685
baseline
▲ 0.50% · 4.625%
HK$32,303
+HK$1,618/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$61,370/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,530
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,480
−HK$965/mo
Today · 4.125%
HK$32,445
baseline
▲ 0.50% · 4.625%
HK$34,419
+HK$1,974/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$64,890/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,965
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,875
−HK$925/mo
Today · 4.125%
HK$35,800
baseline
▲ 0.50% · 4.625%
HK$37,687
+HK$1,887/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$71,600/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,253
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,474
−HK$1,241/mo
Today · 4.125%
HK$41,715
baseline
▲ 0.50% · 4.625%
HK$44,253
+HK$2,538/mo
Deposit HK$956K · loan HK$8.61M · min. income ≈ HK$83,430/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,669
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$44,840
−HK$1,188/mo
Today · 4.125%
HK$46,028
baseline
▲ 0.50% · 4.625%
HK$48,454
+HK$2,426/mo
Deposit HK$956K · loan HK$8.61M · min. income ≈ HK$92,056/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,352 · Scale 2, in force from 26 Feb 2026)