LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,446
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,082
−HK$647/mo
Today · 4.125%
HK$21,729
baseline
▲ 0.50% · 4.625%
HK$23,051
+HK$1,322/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,458/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$269,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,746
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,357
−HK$618/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$269,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,536
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,299
−HK$775/mo
Today · 4.125%
HK$26,074
baseline
▲ 0.50% · 4.625%
HK$27,661
+HK$1,587/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$269,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,296
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,028
−HK$742/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$269,003 · 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$269,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,845
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,699
−HK$867/mo
Today · 4.125%
HK$33,566
baseline
▲ 0.50% · 4.625%
HK$35,335
+HK$1,769/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,132/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,804
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$37,948
−HK$1,164/mo
Today · 4.125%
HK$39,112
baseline
▲ 0.50% · 4.625%
HK$41,491
+HK$2,379/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$78,224/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,944
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,042
−HK$1,114/mo
Today · 4.125%
HK$43,156
baseline
▲ 0.50% · 4.625%
HK$45,431
+HK$2,275/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$86,312/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,003 · Scale 2, in force from 26 Feb 2026)