LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,458
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,095
−HK$646/mo
Today · 4.125%
HK$21,741
baseline
▲ 0.50% · 4.625%
HK$23,064
+HK$1,323/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,482/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,760
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,370
−HK$619/mo
Today · 4.125%
HK$23,989
baseline
▲ 0.50% · 4.625%
HK$25,254
+HK$1,265/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$47,978/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,550
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,314
−HK$775/mo
Today · 4.125%
HK$26,089
baseline
▲ 0.50% · 4.625%
HK$27,677
+HK$1,588/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$52,178/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,311
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,044
−HK$743/mo
Today · 4.125%
HK$28,787
baseline
▲ 0.50% · 4.625%
HK$30,304
+HK$1,517/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$57,574/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,642
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,532
−HK$906/mo
Today · 4.125%
HK$30,438
baseline
▲ 0.50% · 4.625%
HK$32,290
+HK$1,852/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,876/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,863
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,718
−HK$867/mo
Today · 4.125%
HK$33,585
baseline
▲ 0.50% · 4.625%
HK$35,355
+HK$1,770/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,170/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,825
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,970
−HK$1,164/mo
Today · 4.125%
HK$39,134
baseline
▲ 0.50% · 4.625%
HK$41,515
+HK$2,381/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$78,268/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,967
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,066
−HK$1,115/mo
Today · 4.125%
HK$43,181
baseline
▲ 0.50% · 4.625%
HK$45,457
+HK$2,276/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$86,362/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,157 · Scale 2, in force from 26 Feb 2026)