LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,475
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,112
−HK$647/mo
Today · 4.125%
HK$21,759
baseline
▲ 0.50% · 4.625%
HK$23,083
+HK$1,324/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,518/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,779
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,389
−HK$620/mo
Today · 4.125%
HK$24,009
baseline
▲ 0.50% · 4.625%
HK$25,275
+HK$1,266/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$48,018/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,570
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,335
−HK$776/mo
Today · 4.125%
HK$26,111
baseline
▲ 0.50% · 4.625%
HK$27,700
+HK$1,589/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$52,222/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,334
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,067
−HK$744/mo
Today · 4.125%
HK$28,811
baseline
▲ 0.50% · 4.625%
HK$30,330
+HK$1,519/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$57,622/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,665
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,557
−HK$906/mo
Today · 4.125%
HK$30,463
baseline
▲ 0.50% · 4.625%
HK$32,317
+HK$1,854/mo
Deposit HK$2.69M · loan HK$6.29M · min. income ≈ HK$60,926/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,890
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,745
−HK$868/mo
Today · 4.125%
HK$33,613
baseline
▲ 0.50% · 4.625%
HK$35,385
+HK$1,772/mo
Deposit HK$2.69M · loan HK$6.29M · min. income ≈ HK$67,226/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,855
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,002
−HK$1,165/mo
Today · 4.125%
HK$39,167
baseline
▲ 0.50% · 4.625%
HK$41,550
+HK$2,383/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$78,334/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,001
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,101
−HK$1,115/mo
Today · 4.125%
HK$43,216
baseline
▲ 0.50% · 4.625%
HK$45,494
+HK$2,278/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$86,432/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,381 · Scale 2, in force from 26 Feb 2026)