LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,815
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,494
−HK$689/mo
Today · 4.125%
HK$23,183
baseline
▲ 0.50% · 4.625%
HK$24,594
+HK$1,411/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,366/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,269
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,920
−HK$660/mo
Today · 4.125%
HK$25,580
baseline
▲ 0.50% · 4.625%
HK$26,929
+HK$1,349/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,160/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,178
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$26,992
−HK$828/mo
Today · 4.125%
HK$27,820
baseline
▲ 0.50% · 4.625%
HK$29,513
+HK$1,693/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$55,640/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,123
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,904
−HK$792/mo
Today · 4.125%
HK$30,696
baseline
▲ 0.50% · 4.625%
HK$32,314
+HK$1,618/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$61,392/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,541
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,491
−HK$965/mo
Today · 4.125%
HK$32,456
baseline
▲ 0.50% · 4.625%
HK$34,431
+HK$1,975/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,912/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,977
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,888
−HK$924/mo
Today · 4.125%
HK$35,812
baseline
▲ 0.50% · 4.625%
HK$37,700
+HK$1,888/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,624/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,267
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$40,489
−HK$1,241/mo
Today · 4.125%
HK$41,730
baseline
▲ 0.50% · 4.625%
HK$44,269
+HK$2,539/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$83,460/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,684
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,856
−HK$1,189/mo
Today · 4.125%
HK$46,045
baseline
▲ 0.50% · 4.625%
HK$48,472
+HK$2,427/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$92,090/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,698 · Scale 2, in force from 26 Feb 2026)