LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,497
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,135
−HK$647/mo
Today · 4.125%
HK$21,782
baseline
▲ 0.50% · 4.625%
HK$23,108
+HK$1,326/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,564/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,803
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,414
−HK$621/mo
Today · 4.125%
HK$24,035
baseline
▲ 0.50% · 4.625%
HK$25,302
+HK$1,267/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$48,070/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,596
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,361
−HK$778/mo
Today · 4.125%
HK$26,139
baseline
▲ 0.50% · 4.625%
HK$27,729
+HK$1,590/mo
Deposit HK$3.60M · loan HK$5.39M · min. income ≈ HK$52,278/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,363
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,097
−HK$745/mo
Today · 4.125%
HK$28,842
baseline
▲ 0.50% · 4.625%
HK$30,362
+HK$1,520/mo
Deposit HK$3.60M · loan HK$5.39M · min. income ≈ HK$57,684/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,696
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,588
−HK$907/mo
Today · 4.125%
HK$30,495
baseline
▲ 0.50% · 4.625%
HK$32,351
+HK$1,856/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$60,990/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,924
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,780
−HK$868/mo
Today · 4.125%
HK$33,648
baseline
▲ 0.50% · 4.625%
HK$35,422
+HK$1,774/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$67,296/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,895
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,042
−HK$1,166/mo
Today · 4.125%
HK$39,208
baseline
▲ 0.50% · 4.625%
HK$41,594
+HK$2,386/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$78,416/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,045
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,146
−HK$1,116/mo
Today · 4.125%
HK$43,262
baseline
▲ 0.50% · 4.625%
HK$45,543
+HK$2,281/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$86,524/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,667 · Scale 2, in force from 26 Feb 2026)