LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,442
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,078
−HK$646/mo
Today · 4.125%
HK$21,724
baseline
▲ 0.50% · 4.625%
HK$23,045
+HK$1,321/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,448/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,741
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,351
−HK$619/mo
Today · 4.125%
HK$23,970
baseline
▲ 0.50% · 4.625%
HK$25,233
+HK$1,263/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,940/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,530
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,293
−HK$775/mo
Today · 4.125%
HK$26,068
baseline
▲ 0.50% · 4.625%
HK$27,655
+HK$1,587/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$52,136/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,290
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,021
−HK$743/mo
Today · 4.125%
HK$28,764
baseline
▲ 0.50% · 4.625%
HK$30,280
+HK$1,516/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$57,528/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,618
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,509
−HK$904/mo
Today · 4.125%
HK$30,413
baseline
▲ 0.50% · 4.625%
HK$32,264
+HK$1,851/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,826/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,838
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,692
−HK$866/mo
Today · 4.125%
HK$33,558
baseline
▲ 0.50% · 4.625%
HK$35,327
+HK$1,769/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,116/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,795
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$37,940
−HK$1,163/mo
Today · 4.125%
HK$39,103
baseline
▲ 0.50% · 4.625%
HK$41,482
+HK$2,379/mo
Deposit HK$896K · loan HK$8.07M · min. income ≈ HK$78,206/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$268,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,934
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,032
−HK$1,114/mo
Today · 4.125%
HK$43,146
baseline
▲ 0.50% · 4.625%
HK$45,420
+HK$2,274/mo
Deposit HK$896K · loan HK$8.07M · min. income ≈ HK$86,292/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$268,941 · Scale 2, in force from 26 Feb 2026)