LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,816
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,495
−HK$689/mo
Today · 4.125%
HK$23,184
baseline
▲ 0.50% · 4.625%
HK$24,595
+HK$1,411/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,368/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,270
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,921
−HK$661/mo
Today · 4.125%
HK$25,582
baseline
▲ 0.50% · 4.625%
HK$26,930
+HK$1,348/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,164/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,180
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,994
−HK$827/mo
Today · 4.125%
HK$27,821
baseline
▲ 0.50% · 4.625%
HK$29,514
+HK$1,693/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$55,642/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,125
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,906
−HK$792/mo
Today · 4.125%
HK$30,698
baseline
▲ 0.50% · 4.625%
HK$32,316
+HK$1,618/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$61,396/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,543
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,493
−HK$965/mo
Today · 4.125%
HK$32,458
baseline
▲ 0.50% · 4.625%
HK$34,433
+HK$1,975/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,916/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,979
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,890
−HK$924/mo
Today · 4.125%
HK$35,814
baseline
▲ 0.50% · 4.625%
HK$37,702
+HK$1,888/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,628/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,269
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$40,491
−HK$1,241/mo
Today · 4.125%
HK$41,732
baseline
▲ 0.50% · 4.625%
HK$44,271
+HK$2,539/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$83,464/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,687
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,859
−HK$1,188/mo
Today · 4.125%
HK$46,047
baseline
▲ 0.50% · 4.625%
HK$48,474
+HK$2,427/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$92,094/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,751 · Scale 2, in force from 26 Feb 2026)