LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,413
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,048
−HK$646/mo
Today · 4.125%
HK$21,694
baseline
▲ 0.50% · 4.625%
HK$23,014
+HK$1,320/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,388/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,710
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,319
−HK$618/mo
Today · 4.125%
HK$23,937
baseline
▲ 0.50% · 4.625%
HK$25,198
+HK$1,261/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,874/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,496
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,258
−HK$774/mo
Today · 4.125%
HK$26,032
baseline
▲ 0.50% · 4.625%
HK$27,616
+HK$1,584/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,064/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,252
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,983
−HK$741/mo
Today · 4.125%
HK$28,724
baseline
▲ 0.50% · 4.625%
HK$30,238
+HK$1,514/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,448/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,579
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,468
−HK$903/mo
Today · 4.125%
HK$30,371
baseline
▲ 0.50% · 4.625%
HK$32,219
+HK$1,848/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,742/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,794
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,646
−HK$865/mo
Today · 4.125%
HK$33,511
baseline
▲ 0.50% · 4.625%
HK$35,278
+HK$1,767/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,022/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,744
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,887
−HK$1,161/mo
Today · 4.125%
HK$39,048
baseline
▲ 0.50% · 4.625%
HK$41,424
+HK$2,376/mo
Deposit HK$895K · loan HK$8.06M · min. income ≈ HK$78,096/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,878
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,974
−HK$1,112/mo
Today · 4.125%
HK$43,086
baseline
▲ 0.50% · 4.625%
HK$45,357
+HK$2,271/mo
Deposit HK$895K · loan HK$8.06M · min. income ≈ HK$86,172/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,569 · Scale 2, in force from 26 Feb 2026)