LTV · monthly repayment
▼ 0.50% · 3.625%
HK$22,571
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,273
−HK$713/mo
Today · 4.125%
HK$23,986
baseline
▲ 0.50% · 4.625%
HK$25,446
+HK$1,460/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,972/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,110
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,783
−HK$683/mo
Today · 4.125%
HK$26,466
baseline
▲ 0.50% · 4.625%
HK$27,861
+HK$1,395/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,932/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,085
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,927
−HK$856/mo
Today · 4.125%
HK$28,783
baseline
▲ 0.50% · 4.625%
HK$30,535
+HK$1,752/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,566/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,132
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,940
−HK$819/mo
Today · 4.125%
HK$31,759
baseline
▲ 0.50% · 4.625%
HK$33,434
+HK$1,675/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,518/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,599
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,582
−HK$998/mo
Today · 4.125%
HK$33,580
baseline
▲ 0.50% · 4.625%
HK$35,624
+HK$2,044/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,160/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,153
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,096
−HK$957/mo
Today · 4.125%
HK$37,053
baseline
▲ 0.50% · 4.625%
HK$39,006
+HK$1,953/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,106/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,627
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$41,891
−HK$1,284/mo
Today · 4.125%
HK$43,175
baseline
▲ 0.50% · 4.625%
HK$45,802
+HK$2,627/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$86,350/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,197
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,410
−HK$1,229/mo
Today · 4.125%
HK$47,639
baseline
▲ 0.50% · 4.625%
HK$50,150
+HK$2,511/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$95,278/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,830 · Scale 2, in force from 26 Feb 2026)