LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,966
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,650
−HK$694/mo
Today · 4.125%
HK$23,344
baseline
▲ 0.50% · 4.625%
HK$24,764
+HK$1,420/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,688/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,437
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,093
−HK$665/mo
Today · 4.125%
HK$25,758
baseline
▲ 0.50% · 4.625%
HK$27,115
+HK$1,357/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,516/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,360
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,180
−HK$833/mo
Today · 4.125%
HK$28,013
baseline
▲ 0.50% · 4.625%
HK$29,717
+HK$1,704/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$56,026/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,325
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,111
−HK$798/mo
Today · 4.125%
HK$30,909
baseline
▲ 0.50% · 4.625%
HK$32,538
+HK$1,629/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$61,818/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,753
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,709
−HK$972/mo
Today · 4.125%
HK$32,681
baseline
▲ 0.50% · 4.625%
HK$34,670
+HK$1,989/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$65,362/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$333,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,212
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,130
−HK$931/mo
Today · 4.125%
HK$36,061
baseline
▲ 0.50% · 4.625%
HK$37,961
+HK$1,900/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$72,122/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$333,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,539
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,769
−HK$1,250/mo
Today · 4.125%
HK$42,019
baseline
▲ 0.50% · 4.625%
HK$44,576
+HK$2,557/mo
Deposit HK$963K · loan HK$8.67M · min. income ≈ HK$84,038/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,987
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,167
−HK$1,197/mo
Today · 4.125%
HK$46,364
baseline
▲ 0.50% · 4.625%
HK$48,808
+HK$2,444/mo
Deposit HK$963K · loan HK$8.67M · min. income ≈ HK$92,728/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,327 · Scale 2, in force from 26 Feb 2026)