LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,291
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,923
−HK$641/mo
Today · 4.125%
HK$21,564
baseline
▲ 0.50% · 4.625%
HK$22,876
+HK$1,312/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,128/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$266,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,574
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,179
−HK$615/mo
Today · 4.125%
HK$23,794
baseline
▲ 0.50% · 4.625%
HK$25,048
+HK$1,254/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,588/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$266,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,350
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,107
−HK$770/mo
Today · 4.125%
HK$25,877
baseline
▲ 0.50% · 4.625%
HK$27,451
+HK$1,574/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,754/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$266,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,089
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,815
−HK$737/mo
Today · 4.125%
HK$28,552
baseline
▲ 0.50% · 4.625%
HK$30,057
+HK$1,505/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,104/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$266,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,408
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,292
−HK$897/mo
Today · 4.125%
HK$30,189
baseline
▲ 0.50% · 4.625%
HK$32,026
+HK$1,837/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,378/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$266,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,604
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,451
−HK$860/mo
Today · 4.125%
HK$33,311
baseline
▲ 0.50% · 4.625%
HK$35,067
+HK$1,756/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,622/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$266,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,525
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,661
−HK$1,154/mo
Today · 4.125%
HK$38,815
baseline
▲ 0.50% · 4.625%
HK$41,177
+HK$2,362/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$77,630/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,633
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,723
−HK$1,106/mo
Today · 4.125%
HK$42,829
baseline
▲ 0.50% · 4.625%
HK$45,086
+HK$2,257/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$85,658/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,963 · Scale 2, in force from 26 Feb 2026)