LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,428
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,063
−HK$646/mo
Today · 4.125%
HK$21,709
baseline
▲ 0.50% · 4.625%
HK$23,030
+HK$1,321/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,418/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,726
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,335
−HK$619/mo
Today · 4.125%
HK$23,954
baseline
▲ 0.50% · 4.625%
HK$25,216
+HK$1,262/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,908/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,514
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,276
−HK$775/mo
Today · 4.125%
HK$26,051
baseline
▲ 0.50% · 4.625%
HK$27,636
+HK$1,585/mo
Deposit HK$3.58M · loan HK$5.38M · min. income ≈ HK$52,102/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,271
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$28,003
−HK$741/mo
Today · 4.125%
HK$28,744
baseline
▲ 0.50% · 4.625%
HK$30,260
+HK$1,516/mo
Deposit HK$3.58M · loan HK$5.38M · min. income ≈ HK$57,488/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,599
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,489
−HK$904/mo
Today · 4.125%
HK$30,393
baseline
▲ 0.50% · 4.625%
HK$32,242
+HK$1,849/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,786/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,816
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,670
−HK$865/mo
Today · 4.125%
HK$33,535
baseline
▲ 0.50% · 4.625%
HK$35,303
+HK$1,768/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,070/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,770
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,914
−HK$1,162/mo
Today · 4.125%
HK$39,076
baseline
▲ 0.50% · 4.625%
HK$41,454
+HK$2,378/mo
Deposit HK$896K · loan HK$8.06M · min. income ≈ HK$78,152/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,907
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$42,004
−HK$1,113/mo
Today · 4.125%
HK$43,117
baseline
▲ 0.50% · 4.625%
HK$45,389
+HK$2,272/mo
Deposit HK$896K · loan HK$8.06M · min. income ≈ HK$86,234/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,760 · Scale 2, in force from 26 Feb 2026)