LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,425
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,061
−HK$645/mo
Today · 4.125%
HK$21,706
baseline
▲ 0.50% · 4.625%
HK$23,027
+HK$1,321/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,412/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,723
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,333
−HK$618/mo
Today · 4.125%
HK$23,951
baseline
▲ 0.50% · 4.625%
HK$25,213
+HK$1,262/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,902/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,511
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,273
−HK$775/mo
Today · 4.125%
HK$26,048
baseline
▲ 0.50% · 4.625%
HK$27,632
+HK$1,584/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,096/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,268
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,999
−HK$742/mo
Today · 4.125%
HK$28,741
baseline
▲ 0.50% · 4.625%
HK$30,256
+HK$1,515/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,482/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,596
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,485
−HK$904/mo
Today · 4.125%
HK$30,389
baseline
▲ 0.50% · 4.625%
HK$32,238
+HK$1,849/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,778/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,812
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,666
−HK$865/mo
Today · 4.125%
HK$33,531
baseline
▲ 0.50% · 4.625%
HK$35,299
+HK$1,768/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,062/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,766
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,909
−HK$1,162/mo
Today · 4.125%
HK$39,071
baseline
▲ 0.50% · 4.625%
HK$41,449
+HK$2,378/mo
Deposit HK$896K · loan HK$8.06M · min. income ≈ HK$78,142/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,902
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,999
−HK$1,112/mo
Today · 4.125%
HK$43,111
baseline
▲ 0.50% · 4.625%
HK$45,384
+HK$2,273/mo
Deposit HK$896K · loan HK$8.06M · min. income ≈ HK$86,222/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,726 · Scale 2, in force from 26 Feb 2026)