LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,459
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,095
−HK$647/mo
Today · 4.125%
HK$21,742
baseline
▲ 0.50% · 4.625%
HK$23,064
+HK$1,322/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,484/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,760
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,370
−HK$620/mo
Today · 4.125%
HK$23,990
baseline
▲ 0.50% · 4.625%
HK$25,254
+HK$1,264/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$47,980/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,550
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,314
−HK$776/mo
Today · 4.125%
HK$26,090
baseline
▲ 0.50% · 4.625%
HK$27,677
+HK$1,587/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$52,180/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,312
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,044
−HK$744/mo
Today · 4.125%
HK$28,788
baseline
▲ 0.50% · 4.625%
HK$30,305
+HK$1,517/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$57,576/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,642
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,533
−HK$905/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$269,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,864
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,719
−HK$867/mo
Today · 4.125%
HK$33,586
baseline
▲ 0.50% · 4.625%
HK$35,356
+HK$1,770/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,172/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,826
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,971
−HK$1,164/mo
Today · 4.125%
HK$39,135
baseline
▲ 0.50% · 4.625%
HK$41,516
+HK$2,381/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$78,270/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,968
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$42,067
−HK$1,114/mo
Today · 4.125%
HK$43,181
baseline
▲ 0.50% · 4.625%
HK$45,458
+HK$2,277/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$269,163 · Scale 2, in force from 26 Feb 2026)