LTV · monthly repayment
▼ 0.50% · 3.625%
HK$22,562
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,264
−HK$713/mo
Today · 4.125%
HK$23,977
baseline
▲ 0.50% · 4.625%
HK$25,436
+HK$1,459/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,954/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,100
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,773
−HK$683/mo
Today · 4.125%
HK$26,456
baseline
▲ 0.50% · 4.625%
HK$27,850
+HK$1,394/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,912/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,074
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,916
−HK$856/mo
Today · 4.125%
HK$28,772
baseline
▲ 0.50% · 4.625%
HK$30,523
+HK$1,751/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,544/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,120
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,928
−HK$819/mo
Today · 4.125%
HK$31,747
baseline
▲ 0.50% · 4.625%
HK$33,421
+HK$1,674/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,494/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,587
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,569
−HK$998/mo
Today · 4.125%
HK$33,567
baseline
▲ 0.50% · 4.625%
HK$35,610
+HK$2,043/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,134/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,140
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,082
−HK$956/mo
Today · 4.125%
HK$37,038
baseline
▲ 0.50% · 4.625%
HK$38,991
+HK$1,953/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,076/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,611
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,875
−HK$1,283/mo
Today · 4.125%
HK$43,158
baseline
▲ 0.50% · 4.625%
HK$45,784
+HK$2,626/mo
Deposit HK$989K · loan HK$8.91M · min. income ≈ HK$86,316/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,180
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,391
−HK$1,230/mo
Today · 4.125%
HK$47,621
baseline
▲ 0.50% · 4.625%
HK$50,131
+HK$2,510/mo
Deposit HK$989K · loan HK$8.91M · min. income ≈ HK$95,242/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,446 · Scale 2, in force from 26 Feb 2026)