LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,493
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,130
−HK$648/mo
Today · 4.125%
HK$21,778
baseline
▲ 0.50% · 4.625%
HK$23,103
+HK$1,325/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,556/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,798
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,409
−HK$621/mo
Today · 4.125%
HK$24,030
baseline
▲ 0.50% · 4.625%
HK$25,296
+HK$1,266/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$48,060/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,591
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,356
−HK$777/mo
Today · 4.125%
HK$26,133
baseline
▲ 0.50% · 4.625%
HK$27,723
+HK$1,590/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$52,266/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,358
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,091
−HK$745/mo
Today · 4.125%
HK$28,836
baseline
▲ 0.50% · 4.625%
HK$30,356
+HK$1,520/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$57,672/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,690
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,582
−HK$907/mo
Today · 4.125%
HK$30,489
baseline
▲ 0.50% · 4.625%
HK$32,344
+HK$1,855/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$60,978/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,917
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,773
−HK$868/mo
Today · 4.125%
HK$33,641
baseline
▲ 0.50% · 4.625%
HK$35,415
+HK$1,774/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$67,282/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,887
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,034
−HK$1,166/mo
Today · 4.125%
HK$39,200
baseline
▲ 0.50% · 4.625%
HK$41,585
+HK$2,385/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$78,400/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,036
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,137
−HK$1,116/mo
Today · 4.125%
HK$43,253
baseline
▲ 0.50% · 4.625%
HK$45,533
+HK$2,280/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$86,506/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,611 · Scale 2, in force from 26 Feb 2026)