LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,819
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,498
−HK$689/mo
Today · 4.125%
HK$23,187
baseline
▲ 0.50% · 4.625%
HK$24,598
+HK$1,411/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,374/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,273
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,924
−HK$661/mo
Today · 4.125%
HK$25,585
baseline
▲ 0.50% · 4.625%
HK$26,933
+HK$1,348/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,170/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,183
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$26,997
−HK$828/mo
Today · 4.125%
HK$27,825
baseline
▲ 0.50% · 4.625%
HK$29,518
+HK$1,693/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$55,650/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,128
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,909
−HK$793/mo
Today · 4.125%
HK$30,702
baseline
▲ 0.50% · 4.625%
HK$32,320
+HK$1,618/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$61,404/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,547
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,497
−HK$965/mo
Today · 4.125%
HK$32,462
baseline
▲ 0.50% · 4.625%
HK$34,437
+HK$1,975/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,924/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,983
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,894
−HK$925/mo
Today · 4.125%
HK$35,819
baseline
▲ 0.50% · 4.625%
HK$37,707
+HK$1,888/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,638/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,274
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$40,496
−HK$1,241/mo
Today · 4.125%
HK$41,737
baseline
▲ 0.50% · 4.625%
HK$44,277
+HK$2,540/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$83,474/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,692
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,864
−HK$1,189/mo
Today · 4.125%
HK$46,053
baseline
▲ 0.50% · 4.625%
HK$48,480
+HK$2,427/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$92,106/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,865 · Scale 2, in force from 26 Feb 2026)