LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,478
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,115
−HK$647/mo
Today · 4.125%
HK$21,762
baseline
▲ 0.50% · 4.625%
HK$23,086
+HK$1,324/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,524/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,782
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,393
−HK$620/mo
Today · 4.125%
HK$24,013
baseline
▲ 0.50% · 4.625%
HK$25,278
+HK$1,265/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$48,026/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,574
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,338
−HK$777/mo
Today · 4.125%
HK$26,115
baseline
▲ 0.50% · 4.625%
HK$27,704
+HK$1,589/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$52,230/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,338
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,071
−HK$744/mo
Today · 4.125%
HK$28,815
baseline
▲ 0.50% · 4.625%
HK$30,334
+HK$1,519/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$57,630/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,669
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,561
−HK$906/mo
Today · 4.125%
HK$30,467
baseline
▲ 0.50% · 4.625%
HK$32,321
+HK$1,854/mo
Deposit HK$2.69M · loan HK$6.29M · min. income ≈ HK$60,934/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,894
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,750
−HK$868/mo
Today · 4.125%
HK$33,618
baseline
▲ 0.50% · 4.625%
HK$35,390
+HK$1,772/mo
Deposit HK$2.69M · loan HK$6.29M · min. income ≈ HK$67,236/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,861
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$38,007
−HK$1,165/mo
Today · 4.125%
HK$39,172
baseline
▲ 0.50% · 4.625%
HK$41,556
+HK$2,384/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$78,344/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,007
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,107
−HK$1,116/mo
Today · 4.125%
HK$43,223
baseline
▲ 0.50% · 4.625%
HK$45,501
+HK$2,278/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$86,446/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,419 · Scale 2, in force from 26 Feb 2026)