LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,958
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,641
−HK$694/mo
Today · 4.125%
HK$23,335
baseline
▲ 0.50% · 4.625%
HK$24,755
+HK$1,420/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,670/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$332,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,428
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,083
−HK$665/mo
Today · 4.125%
HK$25,748
baseline
▲ 0.50% · 4.625%
HK$27,105
+HK$1,357/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,496/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$332,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,350
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,170
−HK$832/mo
Today · 4.125%
HK$28,002
baseline
▲ 0.50% · 4.625%
HK$29,706
+HK$1,704/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$56,004/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,314
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,100
−HK$798/mo
Today · 4.125%
HK$30,898
baseline
▲ 0.50% · 4.625%
HK$32,526
+HK$1,628/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$61,796/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,742
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,698
−HK$971/mo
Today · 4.125%
HK$32,669
baseline
▲ 0.50% · 4.625%
HK$34,657
+HK$1,988/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$65,338/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,200
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,117
−HK$930/mo
Today · 4.125%
HK$36,047
baseline
▲ 0.50% · 4.625%
HK$37,947
+HK$1,900/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$72,094/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,525
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,754
−HK$1,249/mo
Today · 4.125%
HK$42,003
baseline
▲ 0.50% · 4.625%
HK$44,559
+HK$2,556/mo
Deposit HK$963K · loan HK$8.67M · min. income ≈ HK$84,006/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$332,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,971
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,150
−HK$1,197/mo
Today · 4.125%
HK$46,347
baseline
▲ 0.50% · 4.625%
HK$48,790
+HK$2,443/mo
Deposit HK$963K · loan HK$8.67M · min. income ≈ HK$92,694/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$332,973 · Scale 2, in force from 26 Feb 2026)