LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,822
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,501
−HK$689/mo
Today · 4.125%
HK$23,190
baseline
▲ 0.50% · 4.625%
HK$24,601
+HK$1,411/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,380/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,276
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,928
−HK$660/mo
Today · 4.125%
HK$25,588
baseline
▲ 0.50% · 4.625%
HK$26,937
+HK$1,349/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,176/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,186
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$27,001
−HK$827/mo
Today · 4.125%
HK$27,828
baseline
▲ 0.50% · 4.625%
HK$29,521
+HK$1,693/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$55,656/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,132
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,913
−HK$793/mo
Today · 4.125%
HK$30,706
baseline
▲ 0.50% · 4.625%
HK$32,324
+HK$1,618/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$61,412/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,550
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,501
−HK$965/mo
Today · 4.125%
HK$32,466
baseline
▲ 0.50% · 4.625%
HK$34,442
+HK$1,976/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,932/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,987
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,899
−HK$924/mo
Today · 4.125%
HK$35,823
baseline
▲ 0.50% · 4.625%
HK$37,712
+HK$1,889/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,646/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,279
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$40,501
−HK$1,241/mo
Today · 4.125%
HK$41,742
baseline
▲ 0.50% · 4.625%
HK$44,282
+HK$2,540/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$83,484/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,698
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,870
−HK$1,189/mo
Today · 4.125%
HK$46,059
baseline
▲ 0.50% · 4.625%
HK$48,486
+HK$2,427/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$92,118/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,987 · Scale 2, in force from 26 Feb 2026)