LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,553
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,192
−HK$649/mo
Today · 4.125%
HK$21,841
baseline
▲ 0.50% · 4.625%
HK$23,170
+HK$1,329/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,682/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,865
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,478
−HK$622/mo
Today · 4.125%
HK$24,100
baseline
▲ 0.50% · 4.625%
HK$25,370
+HK$1,270/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,200/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,663
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,430
−HK$780/mo
Today · 4.125%
HK$26,210
baseline
▲ 0.50% · 4.625%
HK$27,805
+HK$1,595/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$52,420/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,437
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,173
−HK$747/mo
Today · 4.125%
HK$28,920
baseline
▲ 0.50% · 4.625%
HK$30,444
+HK$1,524/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$57,840/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,774
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,669
−HK$909/mo
Today · 4.125%
HK$30,578
baseline
▲ 0.50% · 4.625%
HK$32,439
+HK$1,861/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$61,156/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$271,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,010
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,869
−HK$871/mo
Today · 4.125%
HK$33,740
baseline
▲ 0.50% · 4.625%
HK$35,518
+HK$1,778/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$67,480/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$271,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,995
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,145
−HK$1,170/mo
Today · 4.125%
HK$39,315
baseline
▲ 0.50% · 4.625%
HK$41,707
+HK$2,392/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$78,630/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,156
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,260
−HK$1,120/mo
Today · 4.125%
HK$43,380
baseline
▲ 0.50% · 4.625%
HK$45,666
+HK$2,286/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$86,760/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,329 · Scale 2, in force from 26 Feb 2026)