LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,551
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,190
−HK$650/mo
Today · 4.125%
HK$21,840
baseline
▲ 0.50% · 4.625%
HK$23,169
+HK$1,329/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,680/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,863
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,476
−HK$622/mo
Today · 4.125%
HK$24,098
baseline
▲ 0.50% · 4.625%
HK$25,368
+HK$1,270/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,196/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,661
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,428
−HK$780/mo
Today · 4.125%
HK$26,208
baseline
▲ 0.50% · 4.625%
HK$27,803
+HK$1,595/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$52,416/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,435
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,171
−HK$747/mo
Today · 4.125%
HK$28,918
baseline
▲ 0.50% · 4.625%
HK$30,442
+HK$1,524/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$57,836/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,772
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,667
−HK$909/mo
Today · 4.125%
HK$30,576
baseline
▲ 0.50% · 4.625%
HK$32,436
+HK$1,860/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$61,152/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$271,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,008
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,867
−HK$870/mo
Today · 4.125%
HK$33,737
baseline
▲ 0.50% · 4.625%
HK$35,516
+HK$1,779/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$67,474/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$271,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,992
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,143
−HK$1,169/mo
Today · 4.125%
HK$39,312
baseline
▲ 0.50% · 4.625%
HK$41,704
+HK$2,392/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$78,624/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,153
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,257
−HK$1,120/mo
Today · 4.125%
HK$43,377
baseline
▲ 0.50% · 4.625%
HK$45,663
+HK$2,286/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$86,754/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,264 · Scale 2, in force from 26 Feb 2026)