LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,810
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,488
−HK$690/mo
Today · 4.125%
HK$23,178
baseline
▲ 0.50% · 4.625%
HK$24,588
+HK$1,410/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,356/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,263
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,914
−HK$660/mo
Today · 4.125%
HK$25,574
baseline
▲ 0.50% · 4.625%
HK$26,922
+HK$1,348/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,148/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,172
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,986
−HK$827/mo
Today · 4.125%
HK$27,813
baseline
▲ 0.50% · 4.625%
HK$29,506
+HK$1,693/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$55,626/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,116
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,897
−HK$792/mo
Today · 4.125%
HK$30,689
baseline
▲ 0.50% · 4.625%
HK$32,307
+HK$1,618/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$61,378/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,534
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,484
−HK$965/mo
Today · 4.125%
HK$32,449
baseline
▲ 0.50% · 4.625%
HK$34,423
+HK$1,974/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,898/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,969
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,880
−HK$924/mo
Today · 4.125%
HK$35,804
baseline
▲ 0.50% · 4.625%
HK$37,691
+HK$1,887/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,608/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,258
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,479
−HK$1,241/mo
Today · 4.125%
HK$41,720
baseline
▲ 0.50% · 4.625%
HK$44,258
+HK$2,538/mo
Deposit HK$956K · loan HK$8.61M · min. income ≈ HK$83,440/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,674
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,845
−HK$1,189/mo
Today · 4.125%
HK$46,034
baseline
▲ 0.50% · 4.625%
HK$48,460
+HK$2,426/mo
Deposit HK$956K · loan HK$8.61M · min. income ≈ HK$92,068/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,471 · Scale 2, in force from 26 Feb 2026)