LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,410
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,045
−HK$645/mo
Today · 4.125%
HK$21,690
baseline
▲ 0.50% · 4.625%
HK$23,009
+HK$1,319/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,380/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,706
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,315
−HK$617/mo
Today · 4.125%
HK$23,932
baseline
▲ 0.50% · 4.625%
HK$25,194
+HK$1,262/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,864/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,492
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,254
−HK$774/mo
Today · 4.125%
HK$26,028
baseline
▲ 0.50% · 4.625%
HK$27,611
+HK$1,583/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,056/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,247
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,978
−HK$741/mo
Today · 4.125%
HK$28,719
baseline
▲ 0.50% · 4.625%
HK$30,233
+HK$1,514/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,438/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,574
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,463
−HK$903/mo
Today · 4.125%
HK$30,366
baseline
▲ 0.50% · 4.625%
HK$32,213
+HK$1,847/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,732/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,788
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,641
−HK$864/mo
Today · 4.125%
HK$33,505
baseline
▲ 0.50% · 4.625%
HK$35,272
+HK$1,767/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,010/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,738
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,880
−HK$1,162/mo
Today · 4.125%
HK$39,042
baseline
▲ 0.50% · 4.625%
HK$41,417
+HK$2,375/mo
Deposit HK$895K · loan HK$8.06M · min. income ≈ HK$78,084/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,870
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,966
−HK$1,112/mo
Today · 4.125%
HK$43,078
baseline
▲ 0.50% · 4.625%
HK$45,349
+HK$2,271/mo
Deposit HK$895K · loan HK$8.06M · min. income ≈ HK$86,156/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,521 · Scale 2, in force from 26 Feb 2026)