LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,430
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,066
−HK$645/mo
Today · 4.125%
HK$21,711
baseline
▲ 0.50% · 4.625%
HK$23,032
+HK$1,321/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,422/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,728
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,338
−HK$618/mo
Today · 4.125%
HK$23,956
baseline
▲ 0.50% · 4.625%
HK$25,219
+HK$1,263/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,912/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,516
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,279
−HK$774/mo
Today · 4.125%
HK$26,053
baseline
▲ 0.50% · 4.625%
HK$27,639
+HK$1,586/mo
Deposit HK$3.58M · loan HK$5.38M · min. income ≈ HK$52,106/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,274
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$28,005
−HK$742/mo
Today · 4.125%
HK$28,747
baseline
▲ 0.50% · 4.625%
HK$30,263
+HK$1,516/mo
Deposit HK$3.58M · loan HK$5.38M · min. income ≈ HK$57,494/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,602
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,492
−HK$904/mo
Today · 4.125%
HK$30,396
baseline
▲ 0.50% · 4.625%
HK$32,245
+HK$1,849/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,792/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,820
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,673
−HK$866/mo
Today · 4.125%
HK$33,539
baseline
▲ 0.50% · 4.625%
HK$35,307
+HK$1,768/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,078/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,774
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,918
−HK$1,162/mo
Today · 4.125%
HK$39,080
baseline
▲ 0.50% · 4.625%
HK$41,458
+HK$2,378/mo
Deposit HK$896K · loan HK$8.06M · min. income ≈ HK$78,160/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,911
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$42,008
−HK$1,113/mo
Today · 4.125%
HK$43,121
baseline
▲ 0.50% · 4.625%
HK$45,394
+HK$2,273/mo
Deposit HK$896K · loan HK$8.06M · min. income ≈ HK$86,242/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,787 · Scale 2, in force from 26 Feb 2026)