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$359,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,110
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,783
−HK$684/mo
Today · 4.125%
HK$26,467
baseline
▲ 0.50% · 4.625%
HK$27,862
+HK$1,395/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,934/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,085
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,928
−HK$856/mo
Today · 4.125%
HK$28,784
baseline
▲ 0.50% · 4.625%
HK$30,535
+HK$1,751/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,568/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,132
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,940
−HK$820/mo
Today · 4.125%
HK$31,760
baseline
▲ 0.50% · 4.625%
HK$33,434
+HK$1,674/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,520/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,599
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,582
−HK$999/mo
Today · 4.125%
HK$33,581
baseline
▲ 0.50% · 4.625%
HK$35,624
+HK$2,043/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,162/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,154
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,097
−HK$956/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$359,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,628
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,892
−HK$1,283/mo
Today · 4.125%
HK$43,175
baseline
▲ 0.50% · 4.625%
HK$45,803
+HK$2,628/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$359,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,198
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,410
−HK$1,230/mo
Today · 4.125%
HK$47,640
baseline
▲ 0.50% · 4.625%
HK$50,151
+HK$2,511/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$95,280/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,845 · Scale 2, in force from 26 Feb 2026)