LTV · monthly repayment
▼ 0.50% · 3.625%
HK$22,326
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,020
−HK$706/mo
Today · 4.125%
HK$23,726
baseline
▲ 0.50% · 4.625%
HK$25,170
+HK$1,444/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,452/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$349,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,837
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,504
−HK$675/mo
Today · 4.125%
HK$26,179
baseline
▲ 0.50% · 4.625%
HK$27,559
+HK$1,380/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,358/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$349,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,791
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,625
−HK$846/mo
Today · 4.125%
HK$28,471
baseline
▲ 0.50% · 4.625%
HK$30,204
+HK$1,733/mo
Deposit HK$3.92M · loan HK$5.87M · min. income ≈ HK$56,942/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,805
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,604
−HK$811/mo
Today · 4.125%
HK$31,415
baseline
▲ 0.50% · 4.625%
HK$33,071
+HK$1,656/mo
Deposit HK$3.92M · loan HK$5.87M · min. income ≈ HK$62,830/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,256
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,229
−HK$987/mo
Today · 4.125%
HK$33,216
baseline
▲ 0.50% · 4.625%
HK$35,238
+HK$2,022/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$66,432/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,772
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,705
−HK$946/mo
Today · 4.125%
HK$36,651
baseline
▲ 0.50% · 4.625%
HK$38,583
+HK$1,932/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$73,302/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,187
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,437
−HK$1,270/mo
Today · 4.125%
HK$42,707
baseline
▲ 0.50% · 4.625%
HK$45,305
+HK$2,598/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$85,414/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,707
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$45,906
−HK$1,217/mo
Today · 4.125%
HK$47,123
baseline
▲ 0.50% · 4.625%
HK$49,607
+HK$2,484/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$94,246/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,100 · Scale 2, in force from 26 Feb 2026)