LTV · monthly repayment
▼ 0.50% · 3.625%
HK$22,117
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,805
−HK$699/mo
Today · 4.125%
HK$23,504
baseline
▲ 0.50% · 4.625%
HK$24,934
+HK$1,430/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$47,008/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$339,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,605
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,265
−HK$670/mo
Today · 4.125%
HK$25,935
baseline
▲ 0.50% · 4.625%
HK$27,302
+HK$1,367/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,870/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$339,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,541
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,366
−HK$839/mo
Today · 4.125%
HK$28,205
baseline
▲ 0.50% · 4.625%
HK$29,921
+HK$1,716/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,410/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,526
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,318
−HK$804/mo
Today · 4.125%
HK$31,122
baseline
▲ 0.50% · 4.625%
HK$32,762
+HK$1,640/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,244/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,964
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,927
−HK$979/mo
Today · 4.125%
HK$32,906
baseline
▲ 0.50% · 4.625%
HK$34,908
+HK$2,002/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$65,812/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,447
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,371
−HK$937/mo
Today · 4.125%
HK$36,308
baseline
▲ 0.50% · 4.625%
HK$38,222
+HK$1,914/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$72,616/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,811
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,049
−HK$1,259/mo
Today · 4.125%
HK$42,308
baseline
▲ 0.50% · 4.625%
HK$44,882
+HK$2,574/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$84,616/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,289
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,477
−HK$1,205/mo
Today · 4.125%
HK$46,682
baseline
▲ 0.50% · 4.625%
HK$49,143
+HK$2,461/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$93,364/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,948 · Scale 2, in force from 26 Feb 2026)