LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,490
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,127
−HK$648/mo
Today · 4.125%
HK$21,775
baseline
▲ 0.50% · 4.625%
HK$23,100
+HK$1,325/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,550/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,795
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,406
−HK$620/mo
Today · 4.125%
HK$24,026
baseline
▲ 0.50% · 4.625%
HK$25,293
+HK$1,267/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$48,052/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,588
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,352
−HK$778/mo
Today · 4.125%
HK$26,130
baseline
▲ 0.50% · 4.625%
HK$27,719
+HK$1,589/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$52,260/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,354
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,087
−HK$744/mo
Today · 4.125%
HK$28,831
baseline
▲ 0.50% · 4.625%
HK$30,351
+HK$1,520/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$57,662/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,686
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,578
−HK$906/mo
Today · 4.125%
HK$30,484
baseline
▲ 0.50% · 4.625%
HK$32,339
+HK$1,855/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$60,968/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,912
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,768
−HK$869/mo
Today · 4.125%
HK$33,637
baseline
▲ 0.50% · 4.625%
HK$35,410
+HK$1,773/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$67,274/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,881
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,029
−HK$1,165/mo
Today · 4.125%
HK$39,194
baseline
▲ 0.50% · 4.625%
HK$41,579
+HK$2,385/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$78,388/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,030
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,131
−HK$1,116/mo
Today · 4.125%
HK$43,247
baseline
▲ 0.50% · 4.625%
HK$45,527
+HK$2,280/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$86,494/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,572 · Scale 2, in force from 26 Feb 2026)