LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,461
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,098
−HK$646/mo
Today · 4.125%
HK$21,744
baseline
▲ 0.50% · 4.625%
HK$23,067
+HK$1,323/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,488/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,763
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,373
−HK$620/mo
Today · 4.125%
HK$23,993
baseline
▲ 0.50% · 4.625%
HK$25,257
+HK$1,264/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$47,986/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,554
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,317
−HK$776/mo
Today · 4.125%
HK$26,093
baseline
▲ 0.50% · 4.625%
HK$27,681
+HK$1,588/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$52,186/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,316
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,048
−HK$743/mo
Today · 4.125%
HK$28,791
baseline
▲ 0.50% · 4.625%
HK$30,309
+HK$1,518/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$57,582/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,646
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,537
−HK$905/mo
Today · 4.125%
HK$30,442
baseline
▲ 0.50% · 4.625%
HK$32,294
+HK$1,852/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,884/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,868
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,723
−HK$867/mo
Today · 4.125%
HK$33,590
baseline
▲ 0.50% · 4.625%
HK$35,360
+HK$1,770/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,180/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,830
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,976
−HK$1,164/mo
Today · 4.125%
HK$39,140
baseline
▲ 0.50% · 4.625%
HK$41,521
+HK$2,381/mo
Deposit HK$897K · loan HK$8.08M · min. income ≈ HK$78,280/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,973
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,072
−HK$1,115/mo
Today · 4.125%
HK$43,187
baseline
▲ 0.50% · 4.625%
HK$45,463
+HK$2,276/mo
Deposit HK$897K · loan HK$8.08M · min. income ≈ HK$86,374/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,197 · Scale 2, in force from 26 Feb 2026)