LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,418
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,053
−HK$646/mo
Today · 4.125%
HK$21,699
baseline
▲ 0.50% · 4.625%
HK$23,019
+HK$1,320/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,398/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,715
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,324
−HK$618/mo
Today · 4.125%
HK$23,942
baseline
▲ 0.50% · 4.625%
HK$25,204
+HK$1,262/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,884/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,502
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,264
−HK$774/mo
Today · 4.125%
HK$26,038
baseline
▲ 0.50% · 4.625%
HK$27,623
+HK$1,585/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,076/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,258
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,989
−HK$742/mo
Today · 4.125%
HK$28,731
baseline
▲ 0.50% · 4.625%
HK$30,245
+HK$1,514/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,462/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,585
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,475
−HK$903/mo
Today · 4.125%
HK$30,378
baseline
▲ 0.50% · 4.625%
HK$32,226
+HK$1,848/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,756/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,801
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,654
−HK$865/mo
Today · 4.125%
HK$33,519
baseline
▲ 0.50% · 4.625%
HK$35,286
+HK$1,767/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,038/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,753
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,896
−HK$1,161/mo
Today · 4.125%
HK$39,057
baseline
▲ 0.50% · 4.625%
HK$41,434
+HK$2,377/mo
Deposit HK$895K · loan HK$8.06M · min. income ≈ HK$78,114/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,887
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,983
−HK$1,113/mo
Today · 4.125%
HK$43,096
baseline
▲ 0.50% · 4.625%
HK$45,368
+HK$2,272/mo
Deposit HK$895K · loan HK$8.06M · min. income ≈ HK$86,192/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,630 · Scale 2, in force from 26 Feb 2026)