LTV · monthly repayment
▼ 0.50% · 3.625%
HK$22,557
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,259
−HK$713/mo
Today · 4.125%
HK$23,972
baseline
▲ 0.50% · 4.625%
HK$25,430
+HK$1,458/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,944/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,095
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,768
−HK$682/mo
Today · 4.125%
HK$26,450
baseline
▲ 0.50% · 4.625%
HK$27,845
+HK$1,395/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,900/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,069
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,911
−HK$855/mo
Today · 4.125%
HK$28,766
baseline
▲ 0.50% · 4.625%
HK$30,516
+HK$1,750/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,532/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,114
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,921
−HK$820/mo
Today · 4.125%
HK$31,741
baseline
▲ 0.50% · 4.625%
HK$33,414
+HK$1,673/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,482/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,580
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,562
−HK$998/mo
Today · 4.125%
HK$33,560
baseline
▲ 0.50% · 4.625%
HK$35,603
+HK$2,043/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$67,120/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,133
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,075
−HK$956/mo
Today · 4.125%
HK$37,031
baseline
▲ 0.50% · 4.625%
HK$38,983
+HK$1,952/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$74,062/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,603
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$41,866
−HK$1,283/mo
Today · 4.125%
HK$43,149
baseline
▲ 0.50% · 4.625%
HK$45,775
+HK$2,626/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$86,298/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,170
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,382
−HK$1,229/mo
Today · 4.125%
HK$47,611
baseline
▲ 0.50% · 4.625%
HK$50,121
+HK$2,510/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$95,222/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,242 · Scale 2, in force from 26 Feb 2026)