LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,446
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,082
−HK$646/mo
Today · 4.125%
HK$21,728
baseline
▲ 0.50% · 4.625%
HK$23,050
+HK$1,322/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,456/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,746
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,356
−HK$619/mo
Today · 4.125%
HK$23,975
baseline
▲ 0.50% · 4.625%
HK$25,239
+HK$1,264/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,950/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,535
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,299
−HK$775/mo
Today · 4.125%
HK$26,074
baseline
▲ 0.50% · 4.625%
HK$27,660
+HK$1,586/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$52,148/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$268,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,295
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,027
−HK$743/mo
Today · 4.125%
HK$28,770
baseline
▲ 0.50% · 4.625%
HK$30,287
+HK$1,517/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$57,540/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$268,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,625
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,515
−HK$905/mo
Today · 4.125%
HK$30,420
baseline
▲ 0.50% · 4.625%
HK$32,271
+HK$1,851/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,840/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,845
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,699
−HK$866/mo
Today · 4.125%
HK$33,565
baseline
▲ 0.50% · 4.625%
HK$35,334
+HK$1,769/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,130/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,803
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$37,948
−HK$1,163/mo
Today · 4.125%
HK$39,111
baseline
▲ 0.50% · 4.625%
HK$41,491
+HK$2,380/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$78,222/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$268,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,943
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,041
−HK$1,114/mo
Today · 4.125%
HK$43,155
baseline
▲ 0.50% · 4.625%
HK$45,430
+HK$2,275/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$86,310/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$268,998 · Scale 2, in force from 26 Feb 2026)