LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,438
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,074
−HK$646/mo
Today · 4.125%
HK$21,720
baseline
▲ 0.50% · 4.625%
HK$23,041
+HK$1,321/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,440/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,737
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,347
−HK$618/mo
Today · 4.125%
HK$23,965
baseline
▲ 0.50% · 4.625%
HK$25,229
+HK$1,264/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,930/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,525
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,288
−HK$775/mo
Today · 4.125%
HK$26,063
baseline
▲ 0.50% · 4.625%
HK$27,649
+HK$1,586/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$52,126/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,284
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,016
−HK$742/mo
Today · 4.125%
HK$28,758
baseline
▲ 0.50% · 4.625%
HK$30,274
+HK$1,516/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$57,516/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,613
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,503
−HK$904/mo
Today · 4.125%
HK$30,407
baseline
▲ 0.50% · 4.625%
HK$32,258
+HK$1,851/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,814/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,832
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,685
−HK$867/mo
Today · 4.125%
HK$33,552
baseline
▲ 0.50% · 4.625%
HK$35,320
+HK$1,768/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,104/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,788
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,933
−HK$1,162/mo
Today · 4.125%
HK$39,095
baseline
▲ 0.50% · 4.625%
HK$41,474
+HK$2,379/mo
Deposit HK$896K · loan HK$8.07M · min. income ≈ HK$78,190/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$268,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,927
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,024
−HK$1,114/mo
Today · 4.125%
HK$43,138
baseline
▲ 0.50% · 4.625%
HK$45,411
+HK$2,273/mo
Deposit HK$896K · loan HK$8.07M · min. income ≈ HK$86,276/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$268,890 · Scale 2, in force from 26 Feb 2026)