LTV · monthly repayment
▼ 0.50% · 3.625%
HK$22,113
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,801
−HK$699/mo
Today · 4.125%
HK$23,500
baseline
▲ 0.50% · 4.625%
HK$24,930
+HK$1,430/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$47,000/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$339,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,600
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,260
−HK$670/mo
Today · 4.125%
HK$25,930
baseline
▲ 0.50% · 4.625%
HK$27,296
+HK$1,366/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,860/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$339,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,536
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,361
−HK$839/mo
Today · 4.125%
HK$28,200
baseline
▲ 0.50% · 4.625%
HK$29,915
+HK$1,715/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,400/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,521
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,312
−HK$803/mo
Today · 4.125%
HK$31,115
baseline
▲ 0.50% · 4.625%
HK$32,756
+HK$1,641/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,230/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,958
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,921
−HK$978/mo
Today · 4.125%
HK$32,899
baseline
▲ 0.50% · 4.625%
HK$34,901
+HK$2,002/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$65,798/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,441
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,364
−HK$937/mo
Today · 4.125%
HK$36,301
baseline
▲ 0.50% · 4.625%
HK$38,215
+HK$1,914/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$72,602/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,803
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$41,041
−HK$1,258/mo
Today · 4.125%
HK$42,299
baseline
▲ 0.50% · 4.625%
HK$44,873
+HK$2,574/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$84,598/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,281
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,468
−HK$1,205/mo
Today · 4.125%
HK$46,673
baseline
▲ 0.50% · 4.625%
HK$49,133
+HK$2,460/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$93,346/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,757 · Scale 2, in force from 26 Feb 2026)