LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,969
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,652
−HK$694/mo
Today · 4.125%
HK$23,346
baseline
▲ 0.50% · 4.625%
HK$24,767
+HK$1,421/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,692/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,440
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,095
−HK$665/mo
Today · 4.125%
HK$25,760
baseline
▲ 0.50% · 4.625%
HK$27,118
+HK$1,358/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,520/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,362
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,182
−HK$834/mo
Today · 4.125%
HK$28,016
baseline
▲ 0.50% · 4.625%
HK$29,720
+HK$1,704/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$56,032/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,328
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,114
−HK$798/mo
Today · 4.125%
HK$30,912
baseline
▲ 0.50% · 4.625%
HK$32,542
+HK$1,630/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$61,824/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,756
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,713
−HK$972/mo
Today · 4.125%
HK$32,685
baseline
▲ 0.50% · 4.625%
HK$34,674
+HK$1,989/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$65,370/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$333,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,216
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,134
−HK$930/mo
Today · 4.125%
HK$36,064
baseline
▲ 0.50% · 4.625%
HK$37,965
+HK$1,901/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$72,128/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$333,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,544
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$40,774
−HK$1,249/mo
Today · 4.125%
HK$42,023
baseline
▲ 0.50% · 4.625%
HK$44,580
+HK$2,557/mo
Deposit HK$963K · loan HK$8.67M · min. income ≈ HK$84,046/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,992
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,172
−HK$1,197/mo
Today · 4.125%
HK$46,369
baseline
▲ 0.50% · 4.625%
HK$48,813
+HK$2,444/mo
Deposit HK$963K · loan HK$8.67M · min. income ≈ HK$92,738/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,429 · Scale 2, in force from 26 Feb 2026)