LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,940
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,623
−HK$693/mo
Today · 4.125%
HK$23,316
baseline
▲ 0.50% · 4.625%
HK$24,735
+HK$1,419/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,632/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$332,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,408
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,063
−HK$664/mo
Today · 4.125%
HK$25,727
baseline
▲ 0.50% · 4.625%
HK$27,083
+HK$1,356/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,454/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$332,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,328
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,147
−HK$832/mo
Today · 4.125%
HK$27,979
baseline
▲ 0.50% · 4.625%
HK$29,682
+HK$1,703/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$55,958/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,290
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,075
−HK$797/mo
Today · 4.125%
HK$30,872
baseline
▲ 0.50% · 4.625%
HK$32,500
+HK$1,628/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$61,744/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,716
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$31,672
−HK$970/mo
Today · 4.125%
HK$32,642
baseline
▲ 0.50% · 4.625%
HK$34,629
+HK$1,987/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$65,284/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,171
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,088
−HK$930/mo
Today · 4.125%
HK$36,018
baseline
▲ 0.50% · 4.625%
HK$37,916
+HK$1,898/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$72,036/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,492
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$40,721
−HK$1,248/mo
Today · 4.125%
HK$41,969
baseline
▲ 0.50% · 4.625%
HK$44,522
+HK$2,553/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$83,938/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$332,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,935
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,113
−HK$1,195/mo
Today · 4.125%
HK$46,308
baseline
▲ 0.50% · 4.625%
HK$48,749
+HK$2,441/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$92,616/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$332,178 · Scale 2, in force from 26 Feb 2026)