LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,451
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,087
−HK$646/mo
Today · 4.125%
HK$21,733
baseline
▲ 0.50% · 4.625%
HK$23,055
+HK$1,322/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,466/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$269,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,751
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,361
−HK$619/mo
Today · 4.125%
HK$23,980
baseline
▲ 0.50% · 4.625%
HK$25,244
+HK$1,264/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,960/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$269,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,541
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,304
−HK$776/mo
Today · 4.125%
HK$26,080
baseline
▲ 0.50% · 4.625%
HK$27,666
+HK$1,586/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$52,160/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,301
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,033
−HK$743/mo
Today · 4.125%
HK$28,776
baseline
▲ 0.50% · 4.625%
HK$30,293
+HK$1,517/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$57,552/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,631
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,521
−HK$905/mo
Today · 4.125%
HK$30,426
baseline
▲ 0.50% · 4.625%
HK$32,277
+HK$1,851/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,852/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,851
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,706
−HK$866/mo
Today · 4.125%
HK$33,572
baseline
▲ 0.50% · 4.625%
HK$35,342
+HK$1,770/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,144/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,811
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$37,956
−HK$1,163/mo
Today · 4.125%
HK$39,119
baseline
▲ 0.50% · 4.625%
HK$41,500
+HK$2,381/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$78,238/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,952
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,050
−HK$1,114/mo
Today · 4.125%
HK$43,164
baseline
▲ 0.50% · 4.625%
HK$45,440
+HK$2,276/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$86,328/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,056 · Scale 2, in force from 26 Feb 2026)