LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,309
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,941
−HK$642/mo
Today · 4.125%
HK$21,583
baseline
▲ 0.50% · 4.625%
HK$22,896
+HK$1,313/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,166/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,594
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,200
−HK$615/mo
Today · 4.125%
HK$23,815
baseline
▲ 0.50% · 4.625%
HK$25,070
+HK$1,255/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,630/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,371
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,129
−HK$771/mo
Today · 4.125%
HK$25,900
baseline
▲ 0.50% · 4.625%
HK$27,475
+HK$1,575/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,800/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,113
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,840
−HK$738/mo
Today · 4.125%
HK$28,578
baseline
▲ 0.50% · 4.625%
HK$30,084
+HK$1,506/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,156/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,433
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,318
−HK$898/mo
Today · 4.125%
HK$30,216
baseline
▲ 0.50% · 4.625%
HK$32,055
+HK$1,839/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,432/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,632
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,480
−HK$860/mo
Today · 4.125%
HK$33,340
baseline
▲ 0.50% · 4.625%
HK$35,098
+HK$1,758/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,680/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,557
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,694
−HK$1,155/mo
Today · 4.125%
HK$38,849
baseline
▲ 0.50% · 4.625%
HK$41,213
+HK$2,364/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$77,698/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,669
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,760
−HK$1,106/mo
Today · 4.125%
HK$42,866
baseline
▲ 0.50% · 4.625%
HK$45,126
+HK$2,260/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$85,732/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,199 · Scale 2, in force from 26 Feb 2026)