LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,443
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,079
−HK$646/mo
Today · 4.125%
HK$21,725
baseline
▲ 0.50% · 4.625%
HK$23,047
+HK$1,322/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,450/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,743
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,353
−HK$618/mo
Today · 4.125%
HK$23,971
baseline
▲ 0.50% · 4.625%
HK$25,235
+HK$1,264/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,942/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,532
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,295
−HK$775/mo
Today · 4.125%
HK$26,070
baseline
▲ 0.50% · 4.625%
HK$27,656
+HK$1,586/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$52,140/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$268,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,291
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,023
−HK$743/mo
Today · 4.125%
HK$28,766
baseline
▲ 0.50% · 4.625%
HK$30,282
+HK$1,516/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$57,532/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$268,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,620
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,511
−HK$904/mo
Today · 4.125%
HK$30,415
baseline
▲ 0.50% · 4.625%
HK$32,266
+HK$1,851/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,830/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,840
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,694
−HK$866/mo
Today · 4.125%
HK$33,560
baseline
▲ 0.50% · 4.625%
HK$35,329
+HK$1,769/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,120/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,798
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,942
−HK$1,163/mo
Today · 4.125%
HK$39,105
baseline
▲ 0.50% · 4.625%
HK$41,485
+HK$2,380/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$78,210/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$268,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,937
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,035
−HK$1,114/mo
Today · 4.125%
HK$43,149
baseline
▲ 0.50% · 4.625%
HK$45,423
+HK$2,274/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$86,298/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$268,958 · Scale 2, in force from 26 Feb 2026)