LTV · monthly repayment
▼ 0.50% · 3.625%
HK$22,365
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,061
−HK$707/mo
Today · 4.125%
HK$23,768
baseline
▲ 0.50% · 4.625%
HK$25,214
+HK$1,446/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,536/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,881
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,548
−HK$677/mo
Today · 4.125%
HK$26,225
baseline
▲ 0.50% · 4.625%
HK$27,608
+HK$1,383/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,450/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,838
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,673
−HK$848/mo
Today · 4.125%
HK$28,521
baseline
▲ 0.50% · 4.625%
HK$30,257
+HK$1,736/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$57,042/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,857
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,658
−HK$813/mo
Today · 4.125%
HK$31,471
baseline
▲ 0.50% · 4.625%
HK$33,129
+HK$1,658/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,942/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,311
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,285
−HK$990/mo
Today · 4.125%
HK$33,275
baseline
▲ 0.50% · 4.625%
HK$35,300
+HK$2,025/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$66,550/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,834
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,768
−HK$948/mo
Today · 4.125%
HK$36,716
baseline
▲ 0.50% · 4.625%
HK$38,651
+HK$1,935/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$73,432/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,258
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$41,510
−HK$1,272/mo
Today · 4.125%
HK$42,782
baseline
▲ 0.50% · 4.625%
HK$45,385
+HK$2,603/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$85,564/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,786
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$45,987
−HK$1,219/mo
Today · 4.125%
HK$47,206
baseline
▲ 0.50% · 4.625%
HK$49,694
+HK$2,488/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$94,412/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,825 · Scale 2, in force from 26 Feb 2026)