LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,419
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,054
−HK$645/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$268,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,715
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,325
−HK$618/mo
Today · 4.125%
HK$23,943
baseline
▲ 0.50% · 4.625%
HK$25,205
+HK$1,262/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,886/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,502
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,264
−HK$775/mo
Today · 4.125%
HK$26,039
baseline
▲ 0.50% · 4.625%
HK$27,623
+HK$1,584/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,078/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,259
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,990
−HK$741/mo
Today · 4.125%
HK$28,731
baseline
▲ 0.50% · 4.625%
HK$30,246
+HK$1,515/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$268,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,586
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,475
−HK$904/mo
Today · 4.125%
HK$30,379
baseline
▲ 0.50% · 4.625%
HK$32,227
+HK$1,848/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,758/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,802
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,655
−HK$865/mo
Today · 4.125%
HK$33,520
baseline
▲ 0.50% · 4.625%
HK$35,287
+HK$1,767/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,040/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,753
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,897
−HK$1,161/mo
Today · 4.125%
HK$39,058
baseline
▲ 0.50% · 4.625%
HK$41,435
+HK$2,377/mo
Deposit HK$895K · loan HK$8.06M · min. income ≈ HK$78,116/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,888
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,984
−HK$1,113/mo
Today · 4.125%
HK$43,097
baseline
▲ 0.50% · 4.625%
HK$45,369
+HK$2,272/mo
Deposit HK$895K · loan HK$8.06M · min. income ≈ HK$86,194/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,636 · Scale 2, in force from 26 Feb 2026)