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$24,602
+HK$1,412/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$326,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,277
−HK$1,311/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$326,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,186
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,001
−HK$828/mo
Today · 4.125%
HK$27,829
baseline
▲ 0.50% · 4.625%
HK$29,522
+HK$1,693/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$55,658/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,999 · 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$32,325
+HK$1,619/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$326,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,551
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,501
−HK$966/mo
Today · 4.125%
HK$32,467
baseline
▲ 0.50% · 4.625%
HK$34,442
+HK$1,975/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,934/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,988
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,899
−HK$925/mo
Today · 4.125%
HK$35,824
baseline
▲ 0.50% · 4.625%
HK$37,712
+HK$1,888/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,648/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,280
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$40,501
−HK$1,242/mo
Today · 4.125%
HK$41,743
baseline
▲ 0.50% · 4.625%
HK$44,283
+HK$2,540/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$83,486/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,999 · 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$48,487
+HK$2,428/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$326,999 · Scale 2, in force from 26 Feb 2026)