LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,817
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,496
−HK$689/mo
Today · 4.125%
HK$23,185
baseline
▲ 0.50% · 4.625%
HK$24,596
+HK$1,411/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,370/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,271
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,922
−HK$661/mo
Today · 4.125%
HK$25,583
baseline
▲ 0.50% · 4.625%
HK$26,931
+HK$1,348/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,166/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,181
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,995
−HK$827/mo
Today · 4.125%
HK$27,822
baseline
▲ 0.50% · 4.625%
HK$29,515
+HK$1,693/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$55,644/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,126
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,907
−HK$792/mo
Today · 4.125%
HK$30,699
baseline
▲ 0.50% · 4.625%
HK$32,317
+HK$1,618/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$61,398/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,544
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,494
−HK$965/mo
Today · 4.125%
HK$32,459
baseline
▲ 0.50% · 4.625%
HK$34,434
+HK$1,975/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,918/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,980
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,891
−HK$925/mo
Today · 4.125%
HK$35,816
baseline
▲ 0.50% · 4.625%
HK$37,704
+HK$1,888/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,632/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,271
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,492
−HK$1,241/mo
Today · 4.125%
HK$41,733
baseline
▲ 0.50% · 4.625%
HK$44,273
+HK$2,540/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$83,466/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,688
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,860
−HK$1,189/mo
Today · 4.125%
HK$46,049
baseline
▲ 0.50% · 4.625%
HK$48,476
+HK$2,427/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$92,098/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,785 · Scale 2, in force from 26 Feb 2026)