LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,476
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,113
−HK$647/mo
Today · 4.125%
HK$21,760
baseline
▲ 0.50% · 4.625%
HK$23,084
+HK$1,324/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,520/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,779
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,390
−HK$620/mo
Today · 4.125%
HK$24,010
baseline
▲ 0.50% · 4.625%
HK$25,276
+HK$1,266/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$48,020/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,571
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,335
−HK$777/mo
Today · 4.125%
HK$26,112
baseline
▲ 0.50% · 4.625%
HK$27,701
+HK$1,589/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$52,224/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,335
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,068
−HK$744/mo
Today · 4.125%
HK$28,812
baseline
▲ 0.50% · 4.625%
HK$30,331
+HK$1,519/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$57,624/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,666
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,558
−HK$906/mo
Today · 4.125%
HK$30,464
baseline
▲ 0.50% · 4.625%
HK$32,318
+HK$1,854/mo
Deposit HK$2.69M · loan HK$6.29M · min. income ≈ HK$60,928/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,891
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,746
−HK$868/mo
Today · 4.125%
HK$33,614
baseline
▲ 0.50% · 4.625%
HK$35,386
+HK$1,772/mo
Deposit HK$2.69M · loan HK$6.29M · min. income ≈ HK$67,228/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,857
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$38,003
−HK$1,165/mo
Today · 4.125%
HK$39,168
baseline
▲ 0.50% · 4.625%
HK$41,551
+HK$2,383/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$78,336/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,003
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,102
−HK$1,116/mo
Today · 4.125%
HK$43,218
baseline
▲ 0.50% · 4.625%
HK$45,496
+HK$2,278/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$86,436/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,391 · Scale 2, in force from 26 Feb 2026)