LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,435
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,070
−HK$646/mo
Today · 4.125%
HK$21,716
baseline
▲ 0.50% · 4.625%
HK$23,038
+HK$1,322/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,432/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,733
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,343
−HK$619/mo
Today · 4.125%
HK$23,962
baseline
▲ 0.50% · 4.625%
HK$25,225
+HK$1,263/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,924/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,522
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,284
−HK$775/mo
Today · 4.125%
HK$26,059
baseline
▲ 0.50% · 4.625%
HK$27,645
+HK$1,586/mo
Deposit HK$3.58M · loan HK$5.38M · min. income ≈ HK$52,118/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,280
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,012
−HK$742/mo
Today · 4.125%
HK$28,754
baseline
▲ 0.50% · 4.625%
HK$30,270
+HK$1,516/mo
Deposit HK$3.58M · loan HK$5.38M · min. income ≈ HK$57,508/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,609
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,499
−HK$904/mo
Today · 4.125%
HK$30,403
baseline
▲ 0.50% · 4.625%
HK$32,253
+HK$1,850/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,806/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,827
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,680
−HK$866/mo
Today · 4.125%
HK$33,546
baseline
▲ 0.50% · 4.625%
HK$35,315
+HK$1,769/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,092/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,783
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,927
−HK$1,162/mo
Today · 4.125%
HK$39,089
baseline
▲ 0.50% · 4.625%
HK$41,468
+HK$2,379/mo
Deposit HK$896K · loan HK$8.07M · min. income ≈ HK$78,178/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$268,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,920
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,018
−HK$1,113/mo
Today · 4.125%
HK$43,131
baseline
▲ 0.50% · 4.625%
HK$45,405
+HK$2,274/mo
Deposit HK$896K · loan HK$8.07M · min. income ≈ HK$86,262/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$268,849 · Scale 2, in force from 26 Feb 2026)